Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,384Cash toward the purchase price.
Closing costs + prepaids$28,888Not just lender fees.
Before credits & paid funds$50,272The complete starting cash picture.
Estimated remaining funds due at closing
$50,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,384.37
Your down payment$21,384.37
Closing costs + prepaids$28,887.82
Total buyer cash needed$50,272.19
Remaining funds due$50,272.19
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%)$9,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,892.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,499.75
Initial HOA (3 months)$276.00
Prepaid interest, first (30 days)$5,002.49
Fees + prepaids$28,887.82
Your down payment is the seller’s equity. You take over the $978,516 balance, so the rest of the $999,900 price is paid at closing. A second mortgage can cover part of it. $50,272.19 is due at closing. Uses and sources reconcile at $1,028,787.82 each. Not a Closing Disclosure.