Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,728Cash toward the purchase price.
Closing costs + prepaids$15,896Not just lender fees.
Before credits & paid funds$51,625The complete starting cash picture.
Estimated remaining funds due at closing
$51,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,728.42
Your down payment$35,728.42
Closing costs + prepaids$15,896.49
Total buyer cash needed$51,624.90
Remaining funds due$51,624.90
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%)$4,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,318.86
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 (31 days)$2,682.38
Fees + prepaids$15,896.49
Your down payment is the seller’s equity. You take over the $463,772 balance, so the rest of the $499,500 price is paid at closing. A second mortgage can cover part of it. $51,624.90 is due at closing. Uses and sources reconcile at $515,396.49 each. Not a Closing Disclosure.