Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$65,505Cash toward the purchase price.
Closing costs + prepaids$16,853Not just lender fees.
Before credits & paid funds$82,358The complete starting cash picture.
Estimated remaining funds due at closing
$82,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,505.03
Your down payment$65,505.03
Closing costs + prepaids$16,853.11
Total buyer cash needed$82,358.13
Remaining funds due$82,358.13
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,172.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,973.00
Initial HOA (3 months)$540.00
Prepaid interest, first (22 days)$1,699.65
Fees + prepaids$16,853.11
Your down payment is the seller’s equity. You take over the $434,494 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $82,358.13 is due at closing. Uses and sources reconcile at $516,852.11 each. Not a Closing Disclosure.