Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$2,464Cash toward the purchase price.
Closing costs + prepaids$16,183Not just lender fees.
Before credits & paid funds$18,647The complete starting cash picture.
Estimated remaining funds due at closing
$18,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,464.01
Your down payment$2,464.01
Closing costs + prepaids$16,183.33
Total buyer cash needed$18,647.34
Remaining funds due$18,647.34
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%)$2,482.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.25
Prepaid interest, first (30 days)$2,636.40
Fees + prepaids$16,183.33
Your down payment is the seller’s equity. You take over the $496,536 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $18,647.34 is due at closing. Uses and sources reconcile at $515,183.33 each. Not a Closing Disclosure.