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$14,333Not just lender fees.
Before credits & paid funds$36,539The complete starting cash picture.
Estimated remaining funds due at closing
$36,539No 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$14,333.49
Total buyer cash needed$36,539.09
Remaining funds due$36,539.09
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)$656.50
Initial HOA (3 months)$6.75
Prepaid interest, first (26 days)$1,970.77
Fees + prepaids$14,333.49
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. $36,539.09 is due at closing. Uses and sources reconcile at $453,833.49 each. Not a Closing Disclosure.