Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,533Cash toward the purchase price.
Closing costs + prepaids$15,085Not just lender fees.
Before credits & paid funds$56,618The complete starting cash picture.
Estimated remaining funds due at closing
$56,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,533.26
Your down payment$41,533.26
Closing costs + prepaids$15,084.57
Total buyer cash needed$56,617.83
Remaining funds due$56,617.83
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%)$4,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,167.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.50
Initial HOA (3 months)$570.00
Prepaid interest, first (26 days)$941.75
Fees + prepaids$15,084.57
Your down payment is the seller’s equity. You take over the $433,466 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $56,617.83 is due at closing. Uses and sources reconcile at $490,083.57 each. Not a Closing Disclosure.