Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,242Cash toward the purchase price.
Closing costs + prepaids$15,804Not just lender fees.
Before credits & paid funds$60,046The complete starting cash picture.
Estimated remaining funds due at closing
$60,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,241.52
Your down payment$44,241.52
Closing costs + prepaids$15,804.21
Total buyer cash needed$60,045.73
Remaining funds due$60,045.73
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%)$1,978.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,100.00
Initial HOA (3 months)$1,275.00
Prepaid interest, first (26 days)$1,832.42
Fees + prepaids$15,804.21
Your down payment is the seller’s equity. You take over the $395,758 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $60,045.73 is due at closing. Uses and sources reconcile at $455,804.21 each. Not a Closing Disclosure.