Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$50,045Cash toward the purchase price.
Closing costs + prepaids$15,314Not just lender fees.
Before credits & paid funds$65,359The complete starting cash picture.
Estimated remaining funds due at closing
$65,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,045.05
Your down payment$50,045.05
Closing costs + prepaids$15,313.51
Total buyer cash needed$65,358.56
Remaining funds due$65,358.56
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%)$2,249.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$432.25
Prepaid interest, first (27 days)$2,163.48
Fees + prepaids$15,313.51
Your down payment is the seller’s equity. You take over the $449,955 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $65,358.56 is due at closing. Uses and sources reconcile at $515,313.51 each. Not a Closing Disclosure.