Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$105,191Cash toward the purchase price.
Closing costs + prepaids$12,999Not just lender fees.
Before credits & paid funds$118,190The complete starting cash picture.
Estimated remaining funds due at closing
$118,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,191.12
Your down payment$105,191.12
Closing costs + prepaids$12,999.36
Total buyer cash needed$118,190.47
Remaining funds due$118,190.47
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%)$1,849.04
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 (12 days)$362.31
Fees + prepaids$12,999.36
Your down payment is the seller’s equity. You take over the $369,809 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $118,190.47 is due at closing. Uses and sources reconcile at $487,999.36 each. Not a Closing Disclosure.