Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,192Cash toward the purchase price.
Closing costs + prepaids$16,892Not just lender fees.
Before credits & paid funds$37,084The complete starting cash picture.
Estimated remaining funds due at closing
$37,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,191.82
Your down payment$20,191.82
Closing costs + prepaids$16,891.69
Total buyer cash needed$37,083.50
Remaining funds due$37,083.50
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%)$2,274.04
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)$1,050.00
Prepaid interest, first (24 days)$2,162.15
Fees + prepaids$16,891.69
Your down payment is the seller’s equity. You take over the $454,808 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $37,083.50 is due at closing. Uses and sources reconcile at $491,891.69 each. Not a Closing Disclosure.