Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$6,168Cash toward the purchase price.
Closing costs + prepaids$14,381Not just lender fees.
Before credits & paid funds$20,548The complete starting cash picture.
Estimated remaining funds due at closing
$20,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,167.83
Your down payment$6,167.83
Closing costs + prepaids$14,380.53
Total buyer cash needed$20,548.35
Remaining funds due$20,548.35
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%)$2,344.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$593.75
Prepaid interest, first (14 days)$1,224.62
Fees + prepaids$14,380.53
Your down payment is the seller’s equity. You take over the $468,832 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $20,548.35 is due at closing. Uses and sources reconcile at $489,380.53 each. Not a Closing Disclosure.