Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$26,168Cash toward the purchase price.
Closing costs + prepaids$16,404Not just lender fees.
Before credits & paid funds$42,572The complete starting cash picture.
Estimated remaining funds due at closing
$42,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,167.81
Your down payment$26,167.81
Closing costs + prepaids$16,403.73
Total buyer cash needed$42,571.54
Remaining funds due$42,571.54
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%)$2,369.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,252.50
Initial HOA (3 months)$345.00
Prepaid interest, first (24 days)$1,969.06
Fees + prepaids$16,403.73
Your down payment is the seller’s equity. You take over the $473,832 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $42,571.54 is due at closing. Uses and sources reconcile at $516,403.73 each. Not a Closing Disclosure.