Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$3,127Cash toward the purchase price.
Closing costs + prepaids$15,760Not just lender fees.
Before credits & paid funds$18,888The complete starting cash picture.
Estimated remaining funds due at closing
$18,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,127.06
Your down payment$3,127.06
Closing costs + prepaids$15,760.45
Total buyer cash needed$18,887.51
Remaining funds due$18,887.51
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%)$2,484.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,166.50
Prepaid interest, first (31 days)$1,641.59
Fees + prepaids$15,760.45
Your down payment is the seller’s equity. You take over the $496,873 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $18,887.51 is due at closing. Uses and sources reconcile at $515,760.45 each. Not a Closing Disclosure.