Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$16,496Cash toward the purchase price.
Closing costs + prepaids$13,572Not just lender fees.
Before credits & paid funds$30,067The complete starting cash picture.
Estimated remaining funds due at closing
$30,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,495.58
Your down payment$16,495.58
Closing costs + prepaids$13,571.55
Total buyer cash needed$30,067.13
Remaining funds due$30,067.13
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%)$2,117.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.75
Prepaid interest, first (18 days)$1,422.28
Fees + prepaids$13,571.55
Your down payment is the seller’s equity. You take over the $423,504 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $30,067.13 is due at closing. Uses and sources reconcile at $453,571.55 each. Not a Closing Disclosure.