Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$5,373Cash toward the purchase price.
Closing costs + prepaids$16,196Not just lender fees.
Before credits & paid funds$21,570The complete starting cash picture.
Estimated remaining funds due at closing
$21,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,373.50
Your down payment$5,373.50
Closing costs + prepaids$16,196.11
Total buyer cash needed$21,569.61
Remaining funds due$21,569.61
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,448.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$888.75
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$2,321.23
Fees + prepaids$16,196.11
Your down payment is the seller’s equity. You take over the $489,627 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $21,569.61 is due at closing. Uses and sources reconcile at $511,196.11 each. Not a Closing Disclosure.