Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$22,159Cash toward the purchase price.
Closing costs + prepaids$15,864Not just lender fees.
Before credits & paid funds$38,022The complete starting cash picture.
Estimated remaining funds due at closing
$38,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,158.91
Your down payment$22,158.91
Closing costs + prepaids$15,863.54
Total buyer cash needed$38,022.45
Remaining funds due$38,022.45
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%)$2,388.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$331.50
Initial HOA (3 months)$735.00
Prepaid interest, first (24 days)$1,941.33
Fees + prepaids$15,863.54
Your down payment is the seller’s equity. You take over the $477,741 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $38,022.45 is due at closing. Uses and sources reconcile at $515,763.54 each. Not a Closing Disclosure.