Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,613Cash toward the purchase price.
Closing costs + prepaids$17,182Not just lender fees.
Before credits & paid funds$43,795The complete starting cash picture.
Estimated remaining funds due at closing
$43,795No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,613.43
Your down payment$26,613.43
Closing costs + prepaids$17,181.79
Total buyer cash needed$43,795.22
Remaining funds due$43,795.22
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,366.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,602.00
Prepaid interest, first (30 days)$2,746.36
Fees + prepaids$17,181.79
Your down payment is the seller’s equity. You take over the $473,287 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $43,795.22 is due at closing. Uses and sources reconcile at $517,081.79 each. Not a Closing Disclosure.