Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$133,568Cash toward the purchase price.
Closing costs + prepaids$13,672Not just lender fees.
Before credits & paid funds$147,240The complete starting cash picture.
Estimated remaining funds due at closing
$147,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,567.62
Your down payment$133,567.62
Closing costs + prepaids$13,672.48
Total buyer cash needed$147,240.10
Remaining funds due$147,240.10
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%)$1,707.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$300.75
Initial HOA (3 months)$32.76
Prepaid interest, first (22 days)$1,413.81
Fees + prepaids$13,672.48
Your down payment is the seller’s equity. You take over the $341,432 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $147,240.10 is due at closing. Uses and sources reconcile at $488,672.48 each. Not a Closing Disclosure.