Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$66,718Cash toward the purchase price.
Closing costs + prepaids$16,132Not just lender fees.
Before credits & paid funds$82,850The complete starting cash picture.
Estimated remaining funds due at closing
$82,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,718.08
Your down payment$66,718.08
Closing costs + prepaids$16,131.57
Total buyer cash needed$82,849.65
Remaining funds due$82,849.65
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,166.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,224.75
Prepaid interest, first (27 days)$2,272.42
Fees + prepaids$16,131.57
Your down payment is the seller’s equity. You take over the $433,282 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $82,849.65 is due at closing. Uses and sources reconcile at $516,131.57 each. Not a Closing Disclosure.