Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$799Cash toward the purchase price.
Closing costs + prepaids$15,399Not just lender fees.
Before credits & paid funds$16,197The complete starting cash picture.
Estimated remaining funds due at closing
$16,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$798.56
Your down payment$798.56
Closing costs + prepaids$15,398.57
Total buyer cash needed$16,197.13
Remaining funds due$16,197.13
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,446.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$177.50
Initial HOA (3 months)$141.99
Prepaid interest, first (26 days)$2,265.07
Fees + prepaids$15,398.57
Your down payment is the seller’s equity. You take over the $489,201 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $16,197.13 is due at closing. Uses and sources reconcile at $505,398.57 each. Not a Closing Disclosure.