Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$68,495Cash toward the purchase price.
Closing costs + prepaids$13,316Not just lender fees.
Before credits & paid funds$81,811The complete starting cash picture.
Estimated remaining funds due at closing
$81,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,495.49
Your down payment$68,495.49
Closing costs + prepaids$13,315.58
Total buyer cash needed$81,811.07
Remaining funds due$81,811.07
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%)$1,857.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,183.00
Initial HOA (3 months)$24.99
Prepaid interest, first (23 days)$632.07
Fees + prepaids$13,315.58
Your down payment is the seller’s equity. You take over the $371,505 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $81,811.07 is due at closing. Uses and sources reconcile at $453,315.58 each. Not a Closing Disclosure.