Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,228Cash toward the purchase price.
Closing costs + prepaids$16,051Not just lender fees.
Before credits & paid funds$54,279The complete starting cash picture.
Estimated remaining funds due at closing
$54,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,228.09
Your down payment$38,228.09
Closing costs + prepaids$16,050.68
Total buyer cash needed$54,278.77
Remaining funds due$54,278.77
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%)$2,183.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,290.25
Prepaid interest, first (30 days)$2,358.57
Fees + prepaids$16,050.68
Your down payment is the seller’s equity. You take over the $436,772 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $54,278.77 is due at closing. Uses and sources reconcile at $491,050.68 each. Not a Closing Disclosure.