Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$63,740Cash toward the purchase price.
Closing costs + prepaids$16,131Not just lender fees.
Before credits & paid funds$79,872The complete starting cash picture.
Estimated remaining funds due at closing
$79,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,740.47
Your down payment$63,740.47
Closing costs + prepaids$16,131.49
Total buyer cash needed$79,871.96
Remaining funds due$79,871.96
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,181.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,250.00
Prepaid interest, first (28 days)$2,232.21
Fees + prepaids$16,131.49
Your down payment is the seller’s equity. You take over the $436,259 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $79,871.96 is due at closing. Uses and sources reconcile at $516,130.49 each. Not a Closing Disclosure.