Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$4,722Cash toward the purchase price.
Closing costs + prepaids$16,673Not just lender fees.
Before credits & paid funds$21,395The complete starting cash picture.
Estimated remaining funds due at closing
$21,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,722.48
Your down payment$4,722.48
Closing costs + prepaids$16,672.93
Total buyer cash needed$21,395.41
Remaining funds due$21,395.41
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%)$2,376.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$810.25
Initial HOA (3 months)$810.00
Prepaid interest, first (27 days)$2,408.29
Fees + prepaids$16,672.93
Your down payment is the seller’s equity. You take over the $475,278 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $21,395.41 is due at closing. Uses and sources reconcile at $496,672.93 each. Not a Closing Disclosure.