Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$42,398Cash toward the purchase price.
Closing costs + prepaids$15,747Not just lender fees.
Before credits & paid funds$58,145The complete starting cash picture.
Estimated remaining funds due at closing
$58,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,397.80
Your down payment$42,397.80
Closing costs + prepaids$15,746.77
Total buyer cash needed$58,144.57
Remaining funds due$58,144.57
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%)$2,278.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$806.75
Initial HOA (3 months)$195.00
Prepaid interest, first (25 days)$2,019.00
Fees + prepaids$15,746.77
Your down payment is the seller’s equity. You take over the $455,602 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $58,144.57 is due at closing. Uses and sources reconcile at $513,746.77 each. Not a Closing Disclosure.