Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$35,186Cash toward the purchase price.
Closing costs + prepaids$16,566Not just lender fees.
Before credits & paid funds$51,753The complete starting cash picture.
Estimated remaining funds due at closing
$51,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,186.48
Your down payment$35,186.48
Closing costs + prepaids$16,566.36
Total buyer cash needed$51,752.84
Remaining funds due$51,752.84
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%)$4,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,314.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,245.00
Prepaid interest, first (29 days)$2,559.30
Fees + prepaids$16,566.36
Your down payment is the seller’s equity. You take over the $462,814 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $51,752.84 is due at closing. Uses and sources reconcile at $514,566.36 each. Not a Closing Disclosure.