Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,369Cash toward the purchase price.
Closing costs + prepaids$16,710Not just lender fees.
Before credits & paid funds$43,080The complete starting cash picture.
Estimated remaining funds due at closing
$43,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,369.44
Your down payment$26,369.44
Closing costs + prepaids$16,710.13
Total buyer cash needed$43,079.58
Remaining funds due$43,079.58
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,393.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,262.50
Prepaid interest, first (29 days)$2,536.48
Fees + prepaids$16,710.13
Your down payment is the seller’s equity. You take over the $478,631 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $43,079.58 is due at closing. Uses and sources reconcile at $521,710.13 each. Not a Closing Disclosure.