Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$22,177Cash toward the purchase price.
Closing costs + prepaids$16,457Not just lender fees.
Before credits & paid funds$38,634The complete starting cash picture.
Estimated remaining funds due at closing
$38,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,176.54
Your down payment$22,176.54
Closing costs + prepaids$16,456.98
Total buyer cash needed$38,633.52
Remaining funds due$38,633.52
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%)$2,264.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,809.00
Prepaid interest, first (29 days)$2,165.86
Fees + prepaids$16,456.98
Your down payment is the seller’s equity. You take over the $452,823 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $38,633.52 is due at closing. Uses and sources reconcile at $491,456.98 each. Not a Closing Disclosure.