Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$25,963Cash toward the purchase price.
Closing costs + prepaids$14,239Not just lender fees.
Before credits & paid funds$40,202The complete starting cash picture.
Estimated remaining funds due at closing
$40,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,962.64
Your down payment$25,962.64
Closing costs + prepaids$14,239.27
Total buyer cash needed$40,201.91
Remaining funds due$40,201.91
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%)$2,070.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$35.75
Initial HOA (3 months)$351.00
Prepaid interest, first (30 days)$2,164.34
Fees + prepaids$14,239.27
Your down payment is the seller’s equity. You take over the $414,037 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $40,201.91 is due at closing. Uses and sources reconcile at $454,239.27 each. Not a Closing Disclosure.