Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$39,771Cash toward the purchase price.
Closing costs + prepaids$15,143Not just lender fees.
Before credits & paid funds$54,914The complete starting cash picture.
Estimated remaining funds due at closing
$54,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,770.67
Your down payment$39,770.67
Closing costs + prepaids$15,142.88
Total buyer cash needed$54,913.55
Remaining funds due$54,913.55
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%)$2,176.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,117.75
Initial HOA (3 months)$189.00
Prepaid interest, first (29 days)$1,441.98
Fees + prepaids$15,142.88
Your down payment is the seller’s equity. You take over the $435,229 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $54,913.55 is due at closing. Uses and sources reconcile at $490,142.88 each. Not a Closing Disclosure.