Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$10,727Cash toward the purchase price.
Closing costs + prepaids$16,328Not just lender fees.
Before credits & paid funds$27,055The complete starting cash picture.
Estimated remaining funds due at closing
$27,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,727.00
Your down payment$10,727.00
Closing costs + prepaids$16,327.70
Total buyer cash needed$27,054.70
Remaining funds due$27,054.70
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,445.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$729.75
Initial HOA (3 months)$132.00
Prepaid interest, first (30 days)$2,553.08
Fees + prepaids$16,327.70
Your down payment is the seller’s equity. You take over the $489,173 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $27,054.70 is due at closing. Uses and sources reconcile at $516,227.70 each. Not a Closing Disclosure.