Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$40,861Cash toward the purchase price.
Closing costs + prepaids$14,834Not just lender fees.
Before credits & paid funds$55,695The complete starting cash picture.
Estimated remaining funds due at closing
$55,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,861.23
Your down payment$40,861.23
Closing costs + prepaids$14,833.75
Total buyer cash needed$55,694.98
Remaining funds due$55,694.98
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,020.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$873.50
Initial HOA (3 months)$600.00
Prepaid interest, first (22 days)$1,673.05
Fees + prepaids$14,833.75
Your down payment is the seller’s equity. You take over the $404,039 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $55,694.98 is due at closing. Uses and sources reconcile at $459,733.75 each. Not a Closing Disclosure.