Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,059Cash toward the purchase price.
Closing costs + prepaids$16,353Not just lender fees.
Before credits & paid funds$44,412The complete starting cash picture.
Estimated remaining funds due at closing
$44,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,058.52
Your down payment$28,058.52
Closing costs + prepaids$16,353.44
Total buyer cash needed$44,411.96
Remaining funds due$44,411.96
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%)$2,059.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,076.25
Initial HOA (3 months)$1,680.00
Prepaid interest, first (25 days)$1,920.99
Fees + prepaids$16,353.44
Your down payment is the seller’s equity. You take over the $411,841 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $44,411.96 is due at closing. Uses and sources reconcile at $456,253.44 each. Not a Closing Disclosure.