Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$103,222Cash toward the purchase price.
Closing costs + prepaids$12,809Not just lender fees.
Before credits & paid funds$116,031The complete starting cash picture.
Estimated remaining funds due at closing
$116,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,221.58
Your down payment$103,221.58
Closing costs + prepaids$12,809.46
Total buyer cash needed$116,031.03
Remaining funds due$116,031.03
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%)$1,858.89
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)$162.56
Fees + prepaids$12,809.46
Your down payment is the seller’s equity. You take over the $371,778 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $116,031.03 is due at closing. Uses and sources reconcile at $487,809.46 each. Not a Closing Disclosure.