Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$21,720Cash toward the purchase price.
Closing costs + prepaids$15,702Not just lender fees.
Before credits & paid funds$37,423The complete starting cash picture.
Estimated remaining funds due at closing
$37,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,720.25
Your down payment$21,720.25
Closing costs + prepaids$15,702.35
Total buyer cash needed$37,422.60
Remaining funds due$37,422.60
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%)$4,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,291.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,118.00
Prepaid interest, first (24 days)$2,024.96
Fees + prepaids$15,702.35
Your down payment is the seller’s equity. You take over the $458,279 balance, so the rest of the $479,999 price is paid at closing. A second mortgage can cover part of it. $37,422.60 is due at closing. Uses and sources reconcile at $495,701.35 each. Not a Closing Disclosure.