Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$66,133Cash toward the purchase price.
Closing costs + prepaids$15,749Not just lender fees.
Before credits & paid funds$81,882The complete starting cash picture.
Estimated remaining funds due at closing
$81,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,133.22
Your down payment$66,133.22
Closing costs + prepaids$15,749.13
Total buyer cash needed$81,882.36
Remaining funds due$81,882.36
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%)$2,044.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,184.00
Initial HOA (3 months)$105.00
Prepaid interest, first (30 days)$2,197.80
Fees + prepaids$15,749.13
Your down payment is the seller’s equity. You take over the $408,867 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $81,882.36 is due at closing. Uses and sources reconcile at $490,749.13 each. Not a Closing Disclosure.