Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$73,983Cash toward the purchase price.
Closing costs + prepaids$14,853Not just lender fees.
Before credits & paid funds$88,836The complete starting cash picture.
Estimated remaining funds due at closing
$88,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,983.39
Your down payment$73,983.39
Closing costs + prepaids$14,852.95
Total buyer cash needed$88,836.34
Remaining funds due$88,836.34
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,130.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$54.75
Prepaid interest, first (29 days)$2,200.11
Fees + prepaids$14,852.95
Your down payment is the seller’s equity. You take over the $426,017 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $88,836.34 is due at closing. Uses and sources reconcile at $514,852.95 each. Not a Closing Disclosure.