Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,164Cash toward the purchase price.
Closing costs + prepaids$15,175Not just lender fees.
Before credits & paid funds$57,339The complete starting cash picture.
Estimated remaining funds due at closing
$57,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,164.13
Your down payment$42,164.13
Closing costs + prepaids$15,174.82
Total buyer cash needed$57,338.95
Remaining funds due$57,338.95
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,988.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$592.50
Initial HOA (3 months)$969.00
Prepaid interest, first (28 days)$2,007.64
Fees + prepaids$15,174.82
Your down payment is the seller’s equity. You take over the $397,736 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $57,338.95 is due at closing. Uses and sources reconcile at $455,074.82 each. Not a Closing Disclosure.