Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$44,425Cash toward the purchase price.
Closing costs + prepaids$17,374Not just lender fees.
Before credits & paid funds$61,800The complete starting cash picture.
Estimated remaining funds due at closing
$61,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,425.43
Your down payment$44,425.43
Closing costs + prepaids$17,374.42
Total buyer cash needed$61,799.85
Remaining funds due$61,799.85
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%)$2,152.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,660.75
Prepaid interest, first (30 days)$2,342.80
Fees + prepaids$17,374.42
Your down payment is the seller’s equity. You take over the $430,575 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $61,799.85 is due at closing. Uses and sources reconcile at $492,374.42 each. Not a Closing Disclosure.