Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$52,674Cash toward the purchase price.
Closing costs + prepaids$15,109Not just lender fees.
Before credits & paid funds$67,783The complete starting cash picture.
Estimated remaining funds due at closing
$67,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,674.29
Your down payment$52,674.29
Closing costs + prepaids$15,108.74
Total buyer cash needed$67,783.03
Remaining funds due$67,783.03
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%)$2,236.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,250.00
Initial HOA (3 months)$12.51
Prepaid interest, first (27 days)$1,141.60
Fees + prepaids$15,108.74
Your down payment is the seller’s equity. You take over the $447,326 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $67,783.03 is due at closing. Uses and sources reconcile at $515,108.74 each. Not a Closing Disclosure.