Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,761Cash toward the purchase price.
Closing costs + prepaids$16,703Not just lender fees.
Before credits & paid funds$79,464The complete starting cash picture.
Estimated remaining funds due at closing
$79,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,761.40
Your down payment$62,761.40
Closing costs + prepaids$16,702.76
Total buyer cash needed$79,464.16
Remaining funds due$79,464.16
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,185.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,344.25
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$2,405.82
Fees + prepaids$16,702.76
Your down payment is the seller’s equity. You take over the $437,139 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $79,464.16 is due at closing. Uses and sources reconcile at $516,602.76 each. Not a Closing Disclosure.