Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$12,291Cash toward the purchase price.
Closing costs + prepaids$17,031Not just lender fees.
Before credits & paid funds$29,322The complete starting cash picture.
Estimated remaining funds due at closing
$29,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,291.12
Your down payment$12,291.12
Closing costs + prepaids$17,031.18
Total buyer cash needed$29,322.30
Remaining funds due$29,322.30
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%)$4,989.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,433.54
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)$87.51
Prepaid interest, first (27 days)$2,804.64
Fees + prepaids$17,031.18
Your down payment is the seller’s equity. You take over the $486,708 balance, so the rest of the $498,999 price is paid at closing. A second mortgage can cover part of it. $29,322.30 is due at closing. Uses and sources reconcile at $516,030.18 each. Not a Closing Disclosure.