Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$63,925Cash toward the purchase price.
Closing costs + prepaids$14,427Not just lender fees.
Before credits & paid funds$78,352The complete starting cash picture.
Estimated remaining funds due at closing
$78,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,925.00
Your down payment$63,925.00
Closing costs + prepaids$14,427.09
Total buyer cash needed$78,352.09
Remaining funds due$78,352.09
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,179.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.25
Initial HOA (3 months)$206.01
Prepaid interest, first (28 days)$1,086.95
Fees + prepaids$14,427.09
Your down payment is the seller’s equity. You take over the $435,975 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $78,352.09 is due at closing. Uses and sources reconcile at $514,327.09 each. Not a Closing Disclosure.