Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,030Cash toward the purchase price.
Closing costs + prepaids$12,658Not just lender fees.
Before credits & paid funds$26,688The complete starting cash picture.
Estimated remaining funds due at closing
$26,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,030.44
Your down payment$14,030.44
Closing costs + prepaids$12,657.59
Total buyer cash needed$26,688.03
Remaining funds due$26,688.03
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%)$2,129.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$580.25
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$77.49
Fees + prepaids$12,657.59
Your down payment is the seller’s equity. You take over the $425,970 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $26,688.03 is due at closing. Uses and sources reconcile at $452,657.59 each. Not a Closing Disclosure.