Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,781Cash toward the purchase price.
Closing costs + prepaids$15,692Not just lender fees.
Before credits & paid funds$50,473The complete starting cash picture.
Estimated remaining funds due at closing
$50,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,781.03
Your down payment$34,781.03
Closing costs + prepaids$15,692.29
Total buyer cash needed$50,473.32
Remaining funds due$50,473.32
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,200.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$882.25
Initial HOA (3 months)$99.00
Prepaid interest, first (30 days)$2,293.44
Fees + prepaids$15,692.29
Your down payment is the seller’s equity. You take over the $440,119 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $50,473.32 is due at closing. Uses and sources reconcile at $490,592.29 each. Not a Closing Disclosure.