Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$52,582Cash toward the purchase price.
Closing costs + prepaids$14,407Not just lender fees.
Before credits & paid funds$66,989The complete starting cash picture.
Estimated remaining funds due at closing
$66,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,581.93
Your down payment$52,581.93
Closing costs + prepaids$14,407.49
Total buyer cash needed$66,989.43
Remaining funds due$66,989.43
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%)$1,937.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,100.00
Prepaid interest, first (26 days)$1,752.40
Fees + prepaids$14,407.49
Your down payment is the seller’s equity. You take over the $387,418 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $66,989.43 is due at closing. Uses and sources reconcile at $454,407.49 each. Not a Closing Disclosure.