Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$30,589Cash toward the purchase price.
Closing costs + prepaids$13,868Not just lender fees.
Before credits & paid funds$44,457The complete starting cash picture.
Estimated remaining funds due at closing
$44,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,588.84
Your down payment$30,588.84
Closing costs + prepaids$13,867.87
Total buyer cash needed$44,456.71
Remaining funds due$44,456.71
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,046.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$527.75
Initial HOA (3 months)$38.76
Prepaid interest, first (23 days)$1,637.81
Fees + prepaids$13,867.87
Your down payment is the seller’s equity. You take over the $409,311 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $44,456.71 is due at closing. Uses and sources reconcile at $453,767.87 each. Not a Closing Disclosure.