Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$5,566Cash toward the purchase price.
Closing costs + prepaids$15,375Not just lender fees.
Before credits & paid funds$20,941The complete starting cash picture.
Estimated remaining funds due at closing
$20,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,566.09
Your down payment$5,566.09
Closing costs + prepaids$15,375.41
Total buyer cash needed$20,941.50
Remaining funds due$20,941.50
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,472.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$307.25
Initial HOA (3 months)$12.51
Prepaid interest, first (23 days)$2,115.50
Fees + prepaids$15,375.41
Your down payment is the seller’s equity. You take over the $494,433 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $20,941.50 is due at closing. Uses and sources reconcile at $515,374.41 each. Not a Closing Disclosure.