Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$15,579Cash toward the purchase price.
Closing costs + prepaids$16,813Not just lender fees.
Before credits & paid funds$32,392The complete starting cash picture.
Estimated remaining funds due at closing
$32,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,578.59
Your down payment$15,578.59
Closing costs + prepaids$16,813.46
Total buyer cash needed$32,392.05
Remaining funds due$32,392.05
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%)$2,417.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$1,686.00
Prepaid interest, first (27 days)$1,004.85
Fees + prepaids$16,813.46
Your down payment is the seller’s equity. You take over the $483,421 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $32,392.05 is due at closing. Uses and sources reconcile at $515,813.46 each. Not a Closing Disclosure.