Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$57,493Cash toward the purchase price.
Closing costs + prepaids$15,369Not just lender fees.
Before credits & paid funds$72,862The complete starting cash picture.
Estimated remaining funds due at closing
$72,862No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,493.45
Your down payment$57,493.45
Closing costs + prepaids$15,368.97
Total buyer cash needed$72,862.41
Remaining funds due$72,862.41
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%)$4,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,112.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$859.00
Prepaid interest, first (28 days)$2,129.43
Fees + prepaids$15,368.97
Your down payment is the seller’s equity. You take over the $422,507 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $72,862.41 is due at closing. Uses and sources reconcile at $495,368.97 each. Not a Closing Disclosure.