Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,921Cash toward the purchase price.
Closing costs + prepaids$15,171Not just lender fees.
Before credits & paid funds$51,092The complete starting cash picture.
Estimated remaining funds due at closing
$51,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,921.00
Your down payment$35,921.00
Closing costs + prepaids$15,171.21
Total buyer cash needed$51,092.20
Remaining funds due$51,092.20
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%)$2,195.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$56.25
Initial HOA (3 months)$162.00
Prepaid interest, first (31 days)$2,539.56
Fees + prepaids$15,171.21
Your down payment is the seller’s equity. You take over the $439,079 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $51,092.20 is due at closing. Uses and sources reconcile at $490,171.21 each. Not a Closing Disclosure.