Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,206Cash toward the purchase price.
Closing costs + prepaids$14,851Not just lender fees.
Before credits & paid funds$37,057The complete starting cash picture.
Estimated remaining funds due at closing
$37,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,205.59
Your down payment$22,205.59
Closing costs + prepaids$14,851.49
Total buyer cash needed$37,057.09
Remaining funds due$37,057.09
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%)$4,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,086.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,098.75
Initial HOA (3 months)$82.50
Prepaid interest, first (26 days)$1,970.77
Fees + prepaids$14,851.49
Your down payment is the seller’s equity. You take over the $417,294 balance, so the rest of the $439,500 price is paid at closing. A second mortgage can cover part of it. $37,057.09 is due at closing. Uses and sources reconcile at $454,351.49 each. Not a Closing Disclosure.