Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$30,061Cash toward the purchase price.
Closing costs + prepaids$13,483Not just lender fees.
Before credits & paid funds$43,544The complete starting cash picture.
Estimated remaining funds due at closing
$43,544No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,060.54
Your down payment$30,060.54
Closing costs + prepaids$13,482.99
Total buyer cash needed$43,543.53
Remaining funds due$43,543.53
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%)$2,224.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Prepaid interest, first (6 days)$470.29
Fees + prepaids$13,482.99
Your down payment is the seller’s equity. You take over the $444,939 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $43,543.53 is due at closing. Uses and sources reconcile at $488,482.99 each. Not a Closing Disclosure.