Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$23,720Cash toward the purchase price.
Closing costs + prepaids$14,691Not just lender fees.
Before credits & paid funds$38,410The complete starting cash picture.
Estimated remaining funds due at closing
$38,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,719.77
Your down payment$23,719.77
Closing costs + prepaids$14,690.69
Total buyer cash needed$38,410.46
Remaining funds due$38,410.46
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%)$2,081.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$458.25
Initial HOA (3 months)$138.00
Prepaid interest, first (28 days)$2,395.04
Fees + prepaids$14,690.69
Your down payment is the seller’s equity. You take over the $416,280 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $38,410.46 is due at closing. Uses and sources reconcile at $454,690.69 each. Not a Closing Disclosure.