Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$37,337Cash toward the purchase price.
Closing costs + prepaids$15,898Not just lender fees.
Before credits & paid funds$53,235The complete starting cash picture.
Estimated remaining funds due at closing
$53,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,336.71
Your down payment$37,336.71
Closing costs + prepaids$15,898.25
Total buyer cash needed$53,234.96
Remaining funds due$53,234.96
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%)$2,188.32
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)$525.00
Prepaid interest, first (28 days)$1,779.43
Fees + prepaids$15,898.25
Your down payment is the seller’s equity. You take over the $437,663 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $53,234.96 is due at closing. Uses and sources reconcile at $490,898.25 each. Not a Closing Disclosure.