Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$24,531Cash toward the purchase price.
Closing costs + prepaids$15,543Not just lender fees.
Before credits & paid funds$40,074The complete starting cash picture.
Estimated remaining funds due at closing
$40,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,531.05
Your down payment$24,531.05
Closing costs + prepaids$15,542.73
Total buyer cash needed$40,073.78
Remaining funds due$40,073.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,077.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,100.00
Initial HOA (3 months)$1,800.00
Prepaid interest, first (29 days)$947.38
Fees + prepaids$15,542.73
Your down payment is the seller’s equity. You take over the $415,469 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $40,073.78 is due at closing. Uses and sources reconcile at $455,542.73 each. Not a Closing Disclosure.