Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,509Cash toward the purchase price.
Closing costs + prepaids$15,209Not just lender fees.
Before credits & paid funds$39,718The complete starting cash picture.
Estimated remaining funds due at closing
$39,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,509.10
Your down payment$24,509.10
Closing costs + prepaids$15,209.03
Total buyer cash needed$39,718.14
Remaining funds due$39,718.14
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%)$4,385.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,069.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,484.50
Prepaid interest, first (28 days)$2,051.58
Fees + prepaids$15,209.03
Your down payment is the seller’s equity. You take over the $413,991 balance, so the rest of the $438,500 price is paid at closing. A second mortgage can cover part of it. $39,718.14 is due at closing. Uses and sources reconcile at $453,709.03 each. Not a Closing Disclosure.