Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$19,167Cash toward the purchase price.
Closing costs + prepaids$15,458Not just lender fees.
Before credits & paid funds$34,625The complete starting cash picture.
Estimated remaining funds due at closing
$34,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,167.01
Your down payment$19,167.01
Closing costs + prepaids$15,458.45
Total buyer cash needed$34,625.46
Remaining funds due$34,625.46
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%)$2,104.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,358.75
Initial HOA (3 months)$450.00
Prepaid interest, first (26 days)$1,927.53
Fees + prepaids$15,458.45
Your down payment is the seller’s equity. You take over the $420,833 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $34,625.46 is due at closing. Uses and sources reconcile at $455,458.45 each. Not a Closing Disclosure.