Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,408Cash toward the purchase price.
Closing costs + prepaids$15,422Not just lender fees.
Before credits & paid funds$54,831The complete starting cash picture.
Estimated remaining funds due at closing
$54,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,408.43
Your down payment$39,408.43
Closing costs + prepaids$15,422.37
Total buyer cash needed$54,830.80
Remaining funds due$54,830.80
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%)$2,302.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.50
Prepaid interest, first (26 days)$2,053.41
Fees + prepaids$15,422.37
Your down payment is the seller’s equity. You take over the $460,492 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $54,830.80 is due at closing. Uses and sources reconcile at $515,322.37 each. Not a Closing Disclosure.