Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$69,139Cash toward the purchase price.
Closing costs + prepaids$15,485Not just lender fees.
Before credits & paid funds$84,624The complete starting cash picture.
Estimated remaining funds due at closing
$84,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,139.10
Your down payment$69,139.10
Closing costs + prepaids$15,485.31
Total buyer cash needed$84,624.41
Remaining funds due$84,624.41
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%)$2,149.30
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)$582.00
Prepaid interest, first (29 days)$1,048.51
Fees + prepaids$15,485.31
Your down payment is the seller’s equity. You take over the $429,861 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $84,624.41 is due at closing. Uses and sources reconcile at $514,485.31 each. Not a Closing Disclosure.