Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,983Cash toward the purchase price.
Closing costs + prepaids$14,371Not just lender fees.
Before credits & paid funds$82,354The complete starting cash picture.
Estimated remaining funds due at closing
$82,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,982.90
Your down payment$67,982.90
Closing costs + prepaids$14,370.93
Total buyer cash needed$82,353.82
Remaining funds due$82,353.82
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%)$2,035.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.50
Prepaid interest, first (27 days)$930.34
Fees + prepaids$14,370.93
Your down payment is the seller’s equity. You take over the $407,017 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $82,353.82 is due at closing. Uses and sources reconcile at $489,370.93 each. Not a Closing Disclosure.