Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$19,819Cash toward the purchase price.
Closing costs + prepaids$13,017Not just lender fees.
Before credits & paid funds$32,836The complete starting cash picture.
Estimated remaining funds due at closing
$32,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,819.04
Your down payment$19,819.04
Closing costs + prepaids$13,016.56
Total buyer cash needed$32,835.59
Remaining funds due$32,835.59
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%)$2,100.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$528.00
Initial HOA (3 months)$37.50
Prepaid interest, first (12 days)$732.15
Fees + prepaids$13,016.56
Your down payment is the seller’s equity. You take over the $420,181 balance, so the rest of the $440,000 price is paid at closing. A second mortgage can cover part of it. $32,835.59 is due at closing. Uses and sources reconcile at $453,016.56 each. Not a Closing Disclosure.