Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$25,005Cash toward the purchase price.
Closing costs + prepaids$13,580Not just lender fees.
Before credits & paid funds$38,584The complete starting cash picture.
Estimated remaining funds due at closing
$38,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,004.55
Your down payment$25,004.55
Closing costs + prepaids$13,579.77
Total buyer cash needed$38,584.32
Remaining funds due$38,584.32
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%)$4,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,074.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.75
Prepaid interest, first (20 days)$1,478.06
Fees + prepaids$13,579.77
Your down payment is the seller’s equity. You take over the $414,994 balance, so the rest of the $439,999 price is paid at closing. A second mortgage can cover part of it. $38,584.32 is due at closing. Uses and sources reconcile at $453,578.77 each. Not a Closing Disclosure.