Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,450Cash toward the purchase price.
Closing costs + prepaids$14,484Not just lender fees.
Before credits & paid funds$52,933The complete starting cash picture.
Estimated remaining funds due at closing
$52,933No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,449.61
Your down payment$38,449.61
Closing costs + prepaids$14,483.66
Total buyer cash needed$52,933.27
Remaining funds due$52,933.27
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%)$2,182.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$514.75
Initial HOA (3 months)$530.01
Prepaid interest, first (28 days)$1,038.15
Fees + prepaids$14,483.66
Your down payment is the seller’s equity. You take over the $436,550 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $52,933.27 is due at closing. Uses and sources reconcile at $489,483.66 each. Not a Closing Disclosure.