Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$44,425Cash toward the purchase price.
Closing costs + prepaids$16,750Not just lender fees.
Before credits & paid funds$61,175The complete starting cash picture.
Estimated remaining funds due at closing
$61,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,425.43
Your down payment$44,425.43
Closing costs + prepaids$16,749.67
Total buyer cash needed$61,175.10
Remaining funds due$61,175.10
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%)$2,152.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,660.75
Prepaid interest, first (22 days)$1,718.05
Fees + prepaids$16,749.67
Your down payment is the seller’s equity. You take over the $430,575 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $61,175.10 is due at closing. Uses and sources reconcile at $491,749.67 each. Not a Closing Disclosure.