Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$73,947Cash toward the purchase price.
Closing costs + prepaids$12,500Not just lender fees.
Before credits & paid funds$86,447The complete starting cash picture.
Estimated remaining funds due at closing
$86,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,946.79
Your down payment$73,946.79
Closing costs + prepaids$12,499.77
Total buyer cash needed$86,446.56
Remaining funds due$86,446.56
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%)$1,830.27
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 (10 days)$523.51
Fees + prepaids$12,499.77
Your down payment is the seller’s equity. You take over the $366,053 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $86,446.56 is due at closing. Uses and sources reconcile at $452,499.77 each. Not a Closing Disclosure.