Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,703Cash toward the purchase price.
Closing costs + prepaids$14,326Not just lender fees.
Before credits & paid funds$69,029The complete starting cash picture.
Estimated remaining funds due at closing
$69,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,703.24
Your down payment$54,703.24
Closing costs + prepaids$14,325.93
Total buyer cash needed$69,029.17
Remaining funds due$69,029.17
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%)$1,925.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.00
Initial HOA (3 months)$450.00
Prepaid interest, first (27 days)$1,911.95
Fees + prepaids$14,325.93
Your down payment is the seller’s equity. You take over the $385,197 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $69,029.17 is due at closing. Uses and sources reconcile at $454,225.93 each. Not a Closing Disclosure.