Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,540Cash toward the purchase price.
Closing costs + prepaids$14,035Not just lender fees.
Before credits & paid funds$65,575The complete starting cash picture.
Estimated remaining funds due at closing
$65,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,540.32
Your down payment$51,540.32
Closing costs + prepaids$14,035.08
Total buyer cash needed$65,575.39
Remaining funds due$65,575.39
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.75
Prepaid interest, first (26 days)$2,012.03
Fees + prepaids$14,035.08
Your down payment is the seller’s equity. You take over the $387,460 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $65,575.39 is due at closing. Uses and sources reconcile at $453,035.08 each. Not a Closing Disclosure.