Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$25,005Cash toward the purchase price.
Closing costs + prepaids$12,886Not just lender fees.
Before credits & paid funds$37,891The complete starting cash picture.
Estimated remaining funds due at closing
$37,891No 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$12,886.09
Total buyer cash needed$37,890.64
Remaining funds due$37,890.64
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)$528.00
Prepaid interest, first (9 days)$665.13
Fees + prepaids$12,886.09
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. $37,890.64 is due at closing. Uses and sources reconcile at $452,885.09 each. Not a Closing Disclosure.