Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$64,292Cash toward the purchase price.
Closing costs + prepaids$17,326Not just lender fees.
Before credits & paid funds$81,618The complete starting cash picture.
Estimated remaining funds due at closing
$81,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,292.49
Your down payment$64,292.49
Closing costs + prepaids$17,325.83
Total buyer cash needed$81,618.32
Remaining funds due$81,618.32
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,173.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,001.75
Initial HOA (3 months)$567.00
Prepaid interest, first (27 days)$2,125.54
Fees + prepaids$17,325.83
Your down payment is the seller’s equity. You take over the $434,708 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $81,618.32 is due at closing. Uses and sources reconcile at $516,325.83 each. Not a Closing Disclosure.