Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$83,678Cash toward the purchase price.
Closing costs + prepaids$16,947Not just lender fees.
Before credits & paid funds$100,625The complete starting cash picture.
Estimated remaining funds due at closing
$100,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,678.08
Your down payment$83,678.08
Closing costs + prepaids$16,946.64
Total buyer cash needed$100,624.72
Remaining funds due$100,624.72
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%)$4,999.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,081.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,396.75
Initial HOA (3 months)$759.00
Prepaid interest, first (31 days)$2,241.63
Fees + prepaids$16,946.64
Your down payment is the seller’s equity. You take over the $416,299 balance, so the rest of the $499,977 price is paid at closing. A second mortgage can cover part of it. $100,624.72 is due at closing. Uses and sources reconcile at $516,923.64 each. Not a Closing Disclosure.