Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,796Cash toward the purchase price.
Closing costs + prepaids$14,076Not just lender fees.
Before credits & paid funds$40,872The complete starting cash picture.
Estimated remaining funds due at closing
$40,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,795.80
Your down payment$26,795.80
Closing costs + prepaids$14,076.21
Total buyer cash needed$40,872.01
Remaining funds due$40,872.01
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%)$4,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,066.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$669.75
Initial HOA (3 months)$30.00
Prepaid interest, first (23 days)$1,692.44
Fees + prepaids$14,076.21
Your down payment is the seller’s equity. You take over the $413,204 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $40,872.01 is due at closing. Uses and sources reconcile at $454,076.21 each. Not a Closing Disclosure.