Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,150Cash toward the purchase price.
Closing costs + prepaids$13,999Not just lender fees.
Before credits & paid funds$38,148The complete starting cash picture.
Estimated remaining funds due at closing
$38,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,149.74
Your down payment$24,149.74
Closing costs + prepaids$13,998.71
Total buyer cash needed$38,148.45
Remaining funds due$38,148.45
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%)$2,079.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$196.00
Prepaid interest, first (30 days)$2,105.46
Fees + prepaids$13,998.71
Your down payment is the seller’s equity. You take over the $415,850 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $38,148.45 is due at closing. Uses and sources reconcile at $453,998.71 each. Not a Closing Disclosure.