Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$61,485Cash toward the purchase price.
Closing costs + prepaids$16,286Not just lender fees.
Before credits & paid funds$77,771The complete starting cash picture.
Estimated remaining funds due at closing
$77,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,485.16
Your down payment$61,485.16
Closing costs + prepaids$16,285.55
Total buyer cash needed$77,770.71
Remaining funds due$77,770.71
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%)$2,192.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,223.50
Initial HOA (3 months)$225.00
Prepaid interest, first (28 days)$2,176.48
Fees + prepaids$16,285.55
Your down payment is the seller’s equity. You take over the $438,515 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $77,770.71 is due at closing. Uses and sources reconcile at $516,285.55 each. Not a Closing Disclosure.