Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$36,816Cash toward the purchase price.
Closing costs + prepaids$16,061Not just lender fees.
Before credits & paid funds$52,878The complete starting cash picture.
Estimated remaining funds due at closing
$52,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,816.31
Your down payment$36,816.31
Closing costs + prepaids$16,061.24
Total buyer cash needed$52,877.54
Remaining funds due$52,877.54
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,190.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,077.00
Prepaid interest, first (31 days)$2,575.32
Fees + prepaids$16,061.24
Your down payment is the seller’s equity. You take over the $438,184 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $52,877.54 is due at closing. Uses and sources reconcile at $491,061.24 each. Not a Closing Disclosure.