Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$102,896Cash toward the purchase price.
Closing costs + prepaids$13,470Not just lender fees.
Before credits & paid funds$116,366The complete starting cash picture.
Estimated remaining funds due at closing
$116,366No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,896.30
Your down payment$102,896.30
Closing costs + prepaids$13,470.18
Total buyer cash needed$116,366.48
Remaining funds due$116,366.48
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%)$1,860.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$676.00
Prepaid interest, first (26 days)$715.66
Fees + prepaids$13,470.18
Your down payment is the seller’s equity. You take over the $372,104 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $116,366.48 is due at closing. Uses and sources reconcile at $488,470.18 each. Not a Closing Disclosure.