Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$39,771Cash toward the purchase price.
Closing costs + prepaids$14,795Not just lender fees.
Before credits & paid funds$54,565The complete starting cash picture.
Estimated remaining funds due at closing
$54,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,770.67
Your down payment$39,770.67
Closing costs + prepaids$14,794.81
Total buyer cash needed$54,565.49
Remaining funds due$54,565.49
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%)$2,176.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,117.75
Initial HOA (3 months)$189.00
Prepaid interest, first (22 days)$1,093.92
Fees + prepaids$14,794.81
Your down payment is the seller’s equity. You take over the $435,229 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $54,565.49 is due at closing. Uses and sources reconcile at $489,794.81 each. Not a Closing Disclosure.