Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,522Cash toward the purchase price.
Closing costs + prepaids$15,318Not just lender fees.
Before credits & paid funds$33,839The complete starting cash picture.
Estimated remaining funds due at closing
$33,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,521.83
Your down payment$18,521.83
Closing costs + prepaids$15,317.65
Total buyer cash needed$33,839.48
Remaining funds due$33,839.48
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%)$2,402.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$667.25
Prepaid interest, first (26 days)$1,790.01
Fees + prepaids$15,317.65
Your down payment is the seller’s equity. You take over the $480,478 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $33,839.48 is due at closing. Uses and sources reconcile at $514,317.65 each. Not a Closing Disclosure.