Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,300Cash toward the purchase price.
Closing costs + prepaids$14,804Not just lender fees.
Before credits & paid funds$58,103The complete starting cash picture.
Estimated remaining funds due at closing
$58,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,299.56
Your down payment$43,299.56
Closing costs + prepaids$14,803.85
Total buyer cash needed$58,103.41
Remaining funds due$58,103.41
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%)$4,749.73
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$264.25
Initial HOA (3 months)$68.76
Prepaid interest, first (27 days)$2,094.74
Fees + prepaids$14,803.85
Your down payment is the seller’s equity. You take over the $431,673 balance, so the rest of the $474,973 price is paid at closing. A second mortgage can cover part of it. $58,103.41 is due at closing. Uses and sources reconcile at $489,776.85 each. Not a Closing Disclosure.