Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$53,709Cash toward the purchase price.
Closing costs + prepaids$15,413Not just lender fees.
Before credits & paid funds$69,122The complete starting cash picture.
Estimated remaining funds due at closing
$69,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,709.32
Your down payment$53,709.32
Closing costs + prepaids$15,412.94
Total buyer cash needed$69,122.26
Remaining funds due$69,122.26
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,230.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$551.00
Initial HOA (3 months)$345.00
Prepaid interest, first (24 days)$1,818.99
Fees + prepaids$15,412.94
Your down payment is the seller’s equity. You take over the $446,191 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $69,122.26 is due at closing. Uses and sources reconcile at $515,312.94 each. Not a Closing Disclosure.