Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$30,061Cash toward the purchase price.
Closing costs + prepaids$15,353Not just lender fees.
Before credits & paid funds$45,414The complete starting cash picture.
Estimated remaining funds due at closing
$45,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,060.54
Your down payment$30,060.54
Closing costs + prepaids$15,353.02
Total buyer cash needed$45,413.56
Remaining funds due$45,413.56
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%)$2,224.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$794.00
Prepaid interest, first (27 days)$2,116.33
Fees + prepaids$15,353.02
Your down payment is the seller’s equity. You take over the $444,939 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $45,413.56 is due at closing. Uses and sources reconcile at $490,353.02 each. Not a Closing Disclosure.