Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$64,462Cash toward the purchase price.
Closing costs + prepaids$15,262Not just lender fees.
Before credits & paid funds$79,724The complete starting cash picture.
Estimated remaining funds due at closing
$79,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,462.14
Your down payment$64,462.14
Closing costs + prepaids$15,261.96
Total buyer cash needed$79,724.10
Remaining funds due$79,724.10
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%)$2,177.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$878.50
Initial HOA (3 months)$6.00
Prepaid interest, first (23 days)$1,731.77
Fees + prepaids$15,261.96
Your down payment is the seller’s equity. You take over the $435,538 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $79,724.10 is due at closing. Uses and sources reconcile at $515,261.96 each. Not a Closing Disclosure.