Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$22,442Cash toward the purchase price.
Closing costs + prepaids$13,936Not just lender fees.
Before credits & paid funds$36,378The complete starting cash picture.
Estimated remaining funds due at closing
$36,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,442.03
Your down payment$22,442.03
Closing costs + prepaids$13,935.90
Total buyer cash needed$36,377.93
Remaining funds due$36,377.93
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,082.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,114.50
Initial HOA (3 months)$37.74
Prepaid interest, first (24 days)$1,092.87
Fees + prepaids$13,935.90
Your down payment is the seller’s equity. You take over the $416,558 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $36,377.93 is due at closing. Uses and sources reconcile at $452,935.90 each. Not a Closing Disclosure.