Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,225Cash toward the purchase price.
Closing costs + prepaids$17,094Not just lender fees.
Before credits & paid funds$38,319The complete starting cash picture.
Estimated remaining funds due at closing
$38,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,225.05
Your down payment$21,225.05
Closing costs + prepaids$17,093.96
Total buyer cash needed$38,319.01
Remaining funds due$38,319.01
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%)$2,268.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,160.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$2,415.82
Fees + prepaids$17,093.96
Your down payment is the seller’s equity. You take over the $453,775 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $38,319.01 is due at closing. Uses and sources reconcile at $492,093.96 each. Not a Closing Disclosure.