Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,261Cash toward the purchase price.
Closing costs + prepaids$17,796Not just lender fees.
Before credits & paid funds$52,057The complete starting cash picture.
Estimated remaining funds due at closing
$52,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,260.95
Your down payment$34,260.95
Closing costs + prepaids$17,796.35
Total buyer cash needed$52,057.30
Remaining funds due$52,057.30
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%)$2,323.70
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)$1,350.00
Prepaid interest, first (28 days)$2,417.15
Fees + prepaids$17,796.35
Your down payment is the seller’s equity. You take over the $464,739 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $52,057.30 is due at closing. Uses and sources reconcile at $516,796.35 each. Not a Closing Disclosure.