Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$26,069Cash toward the purchase price.
Closing costs + prepaids$17,301Not just lender fees.
Before credits & paid funds$43,370The complete starting cash picture.
Estimated remaining funds due at closing
$43,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,069.18
Your down payment$26,069.18
Closing costs + prepaids$17,300.57
Total buyer cash needed$43,369.76
Remaining funds due$43,369.76
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%)$2,369.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,030.25
Initial HOA (3 months)$210.00
Prepaid interest, first (27 days)$2,222.67
Fees + prepaids$17,300.57
Your down payment is the seller’s equity. You take over the $473,931 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $43,369.76 is due at closing. Uses and sources reconcile at $517,300.57 each. Not a Closing Disclosure.