Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$28,300Cash toward the purchase price.
Closing costs + prepaids$16,677Not just lender fees.
Before credits & paid funds$44,977The complete starting cash picture.
Estimated remaining funds due at closing
$44,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,299.71
Your down payment$28,299.71
Closing costs + prepaids$16,677.17
Total buyer cash needed$44,976.88
Remaining funds due$44,976.88
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%)$2,353.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$471.00
Prepaid interest, first (25 days)$2,147.17
Fees + prepaids$16,677.17
Your down payment is the seller’s equity. You take over the $470,700 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $44,976.88 is due at closing. Uses and sources reconcile at $515,677.17 each. Not a Closing Disclosure.