Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,040Cash toward the purchase price.
Closing costs + prepaids$15,117Not just lender fees.
Before credits & paid funds$60,157The complete starting cash picture.
Estimated remaining funds due at closing
$60,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,039.86
Your down payment$45,039.86
Closing costs + prepaids$15,116.64
Total buyer cash needed$60,156.50
Remaining funds due$60,156.50
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%)$2,149.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$528.75
Initial HOA (3 months)$165.00
Prepaid interest, first (26 days)$2,055.09
Fees + prepaids$15,116.64
Your down payment is the seller’s equity. You take over the $429,960 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $60,156.50 is due at closing. Uses and sources reconcile at $490,116.64 each. Not a Closing Disclosure.