Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,568Cash toward the purchase price.
Closing costs + prepaids$12,149Not just lender fees.
Before credits & paid funds$37,717The complete starting cash picture.
Estimated remaining funds due at closing
$37,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,567.97
Your down payment$25,567.97
Closing costs + prepaids$12,149.12
Total buyer cash needed$37,717.09
Remaining funds due$37,717.09
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%)$2,072.16
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 (1 days)$72.21
Fees + prepaids$12,149.12
Your down payment is the seller’s equity. You take over the $414,432 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $37,717.09 is due at closing. Uses and sources reconcile at $452,149.12 each. Not a Closing Disclosure.