Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,885Cash toward the purchase price.
Closing costs + prepaids$15,968Not just lender fees.
Before credits & paid funds$22,853The complete starting cash picture.
Estimated remaining funds due at closing
$22,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,885.17
Your down payment$6,885.17
Closing costs + prepaids$15,967.73
Total buyer cash needed$22,852.90
Remaining funds due$22,852.90
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,460.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$261.25
Initial HOA (3 months)$285.00
Prepaid interest, first (28 days)$2,502.91
Fees + prepaids$15,967.73
Your down payment is the seller’s equity. You take over the $492,115 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $22,852.90 is due at closing. Uses and sources reconcile at $514,967.73 each. Not a Closing Disclosure.