Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$26,916Cash toward the purchase price.
Closing costs + prepaids$12,814Not just lender fees.
Before credits & paid funds$39,730The complete starting cash picture.
Estimated remaining funds due at closing
$39,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,915.97
Your down payment$26,915.97
Closing costs + prepaids$12,813.91
Total buyer cash needed$39,729.88
Remaining funds due$39,729.88
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%)$2,065.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$210.00
Prepaid interest, first (6 days)$392.49
Fees + prepaids$12,813.91
Your down payment is the seller’s equity. You take over the $413,084 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $39,729.88 is due at closing. Uses and sources reconcile at $452,813.91 each. Not a Closing Disclosure.