Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,753Cash toward the purchase price.
Closing costs + prepaids$15,185Not just lender fees.
Before credits & paid funds$39,938The complete starting cash picture.
Estimated remaining funds due at closing
$39,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,753.39
Your down payment$24,753.39
Closing costs + prepaids$15,185.11
Total buyer cash needed$39,938.50
Remaining funds due$39,938.50
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%)$2,071.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$888.00
Initial HOA (3 months)$945.00
Prepaid interest, first (22 days)$1,672.88
Fees + prepaids$15,185.11
Your down payment is the seller’s equity. You take over the $414,247 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $39,938.50 is due at closing. Uses and sources reconcile at $454,185.11 each. Not a Closing Disclosure.