Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$27,682Cash toward the purchase price.
Closing costs + prepaids$16,301Not just lender fees.
Before credits & paid funds$43,983The complete starting cash picture.
Estimated remaining funds due at closing
$43,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,682.10
Your down payment$27,682.10
Closing costs + prepaids$16,300.72
Total buyer cash needed$43,982.82
Remaining funds due$43,982.82
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%)$4,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,359.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,248.75
Initial HOA (3 months)$62.49
Prepaid interest, first (27 days)$2,167.39
Fees + prepaids$16,300.72
Your down payment is the seller’s equity. You take over the $471,818 balance, so the rest of the $499,500 price is paid at closing. A second mortgage can cover part of it. $43,982.82 is due at closing. Uses and sources reconcile at $515,800.72 each. Not a Closing Disclosure.