Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$39,525Cash toward the purchase price.
Closing costs + prepaids$15,612Not just lender fees.
Before credits & paid funds$55,137The complete starting cash picture.
Estimated remaining funds due at closing
$55,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,524.57
Your down payment$39,524.57
Closing costs + prepaids$15,612.20
Total buyer cash needed$55,136.77
Remaining funds due$55,136.77
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,302.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.00
Initial HOA (3 months)$99.99
Prepaid interest, first (25 days)$2,147.83
Fees + prepaids$15,612.20
Your down payment is the seller’s equity. You take over the $460,475 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $55,136.77 is due at closing. Uses and sources reconcile at $515,612.20 each. Not a Closing Disclosure.