Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$390,024Cash toward the purchase price.
Closing costs + prepaids$10,406Not just lender fees.
Before credits & paid funds$400,430The complete starting cash picture.
Estimated remaining funds due at closing
$400,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$390,023.95
Your down payment$390,023.95
Closing costs + prepaids$10,405.80
Total buyer cash needed$400,429.75
Remaining funds due$400,429.75
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$244.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$526.75
Prepaid interest, first (6 days)$26.17
Fees + prepaids$10,405.80
Your down payment is the seller’s equity. You take over the $48,976 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $400,429.75 is due at closing. Uses and sources reconcile at $449,405.80 each. Not a Closing Disclosure.