Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$11,656Cash toward the purchase price.
Closing costs + prepaids$13,903Not just lender fees.
Before credits & paid funds$25,559The complete starting cash picture.
Estimated remaining funds due at closing
$25,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,655.67
Your down payment$11,655.67
Closing costs + prepaids$13,903.17
Total buyer cash needed$25,558.84
Remaining funds due$25,558.84
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%)$2,316.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,331.25
Prepaid interest, first (1 days)$37.19
Fees + prepaids$13,903.17
Your down payment is the seller’s equity. You take over the $463,344 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $25,558.84 is due at closing. Uses and sources reconcile at $488,903.17 each. Not a Closing Disclosure.