Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$60,662Cash toward the purchase price.
Closing costs + prepaids$14,711Not just lender fees.
Before credits & paid funds$75,373The complete starting cash picture.
Estimated remaining funds due at closing
$75,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,661.64
Your down payment$60,661.64
Closing costs + prepaids$14,711.16
Total buyer cash needed$75,372.80
Remaining funds due$75,372.80
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.75
Initial HOA (3 months)$120.00
Prepaid interest, first (30 days)$1,357.73
Fees + prepaids$14,711.16
Your down payment is the seller’s equity. You take over the $439,337 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $75,372.80 is due at closing. Uses and sources reconcile at $514,710.16 each. Not a Closing Disclosure.