Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$56,791Cash toward the purchase price.
Closing costs + prepaids$15,493Not just lender fees.
Before credits & paid funds$72,284The complete starting cash picture.
Estimated remaining funds due at closing
$72,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,790.53
Your down payment$56,790.53
Closing costs + prepaids$15,493.45
Total buyer cash needed$72,283.98
Remaining funds due$72,283.98
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%)$2,216.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.50
Initial HOA (3 months)$345.00
Prepaid interest, first (24 days)$1,905.92
Fees + prepaids$15,493.45
Your down payment is the seller’s equity. You take over the $443,208 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $72,283.98 is due at closing. Uses and sources reconcile at $515,492.45 each. Not a Closing Disclosure.