Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$38,727Cash toward the purchase price.
Closing costs + prepaids$14,700Not just lender fees.
Before credits & paid funds$53,427The complete starting cash picture.
Estimated remaining funds due at closing
$53,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,727.02
Your down payment$38,727.02
Closing costs + prepaids$14,699.57
Total buyer cash needed$53,426.59
Remaining funds due$53,426.59
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,301.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$200.75
Prepaid interest, first (22 days)$1,739.45
Fees + prepaids$14,699.57
Your down payment is the seller’s equity. You take over the $460,273 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $53,426.59 is due at closing. Uses and sources reconcile at $513,699.57 each. Not a Closing Disclosure.