Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$4,146Cash toward the purchase price.
Closing costs + prepaids$16,878Not just lender fees.
Before credits & paid funds$21,024The complete starting cash picture.
Estimated remaining funds due at closing
$21,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,145.68
Your down payment$4,145.68
Closing costs + prepaids$16,878.32
Total buyer cash needed$21,024.00
Remaining funds due$21,024.00
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%)$2,354.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,161.75
Initial HOA (3 months)$765.00
Prepaid interest, first (29 days)$2,379.30
Fees + prepaids$16,878.32
Your down payment is the seller’s equity. You take over the $470,854 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $21,024.00 is due at closing. Uses and sources reconcile at $491,878.32 each. Not a Closing Disclosure.