Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$80,882Cash toward the purchase price.
Closing costs + prepaids$16,017Not just lender fees.
Before credits & paid funds$96,899The complete starting cash picture.
Estimated remaining funds due at closing
$96,899No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,882.03
Your down payment$80,882.03
Closing costs + prepaids$16,016.91
Total buyer cash needed$96,898.94
Remaining funds due$96,898.94
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,095.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,249.75
Prepaid interest, first (28 days)$2,205.07
Fees + prepaids$16,016.91
Your down payment is the seller’s equity. You take over the $419,018 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $96,898.94 is due at closing. Uses and sources reconcile at $515,916.91 each. Not a Closing Disclosure.