Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$18,082Cash toward the purchase price.
Closing costs + prepaids$16,665Not just lender fees.
Before credits & paid funds$34,746The complete starting cash picture.
Estimated remaining funds due at closing
$34,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,081.71
Your down payment$18,081.71
Closing costs + prepaids$16,664.60
Total buyer cash needed$34,746.30
Remaining funds due$34,746.30
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,409.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,221.00
Initial HOA (3 months)$498.00
Prepaid interest, first (23 days)$2,068.02
Fees + prepaids$16,664.60
Your down payment is the seller’s equity. You take over the $481,917 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $34,746.30 is due at closing. Uses and sources reconcile at $516,663.60 each. Not a Closing Disclosure.