Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$70,749Cash toward the purchase price.
Closing costs + prepaids$16,344Not just lender fees.
Before credits & paid funds$87,093The complete starting cash picture.
Estimated remaining funds due at closing
$87,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,748.67
Your down payment$70,748.67
Closing costs + prepaids$16,344.13
Total buyer cash needed$87,092.80
Remaining funds due$87,092.80
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,141.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,510.25
Initial HOA (3 months)$336.00
Prepaid interest, first (31 days)$1,898.62
Fees + prepaids$16,344.13
Your down payment is the seller’s equity. You take over the $428,251 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $87,092.80 is due at closing. Uses and sources reconcile at $515,344.13 each. Not a Closing Disclosure.