Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$57,622Cash toward the purchase price.
Closing costs + prepaids$14,552Not just lender fees.
Before credits & paid funds$72,174The complete starting cash picture.
Estimated remaining funds due at closing
$72,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,622.00
Your down payment$57,622.00
Closing costs + prepaids$14,552.31
Total buyer cash needed$72,174.31
Remaining funds due$72,174.31
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%)$2,206.89
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)$1,686.67
Fees + prepaids$14,552.31
Your down payment is the seller’s equity. You take over the $441,378 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $72,174.31 is due at closing. Uses and sources reconcile at $513,552.31 each. Not a Closing Disclosure.