Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$1,605Cash toward the purchase price.
Closing costs + prepaids$16,639Not just lender fees.
Before credits & paid funds$18,244The complete starting cash picture.
Estimated remaining funds due at closing
$18,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,604.99
Your down payment$1,604.99
Closing costs + prepaids$16,639.25
Total buyer cash needed$18,244.24
Remaining funds due$18,244.24
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%)$2,486.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Prepaid interest, first (27 days)$2,446.77
Fees + prepaids$16,639.25
Your down payment is the seller’s equity. You take over the $497,395 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $18,244.24 is due at closing. Uses and sources reconcile at $515,639.25 each. Not a Closing Disclosure.