Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$25,514Cash toward the purchase price.
Closing costs + prepaids$14,928Not just lender fees.
Before credits & paid funds$40,442The complete starting cash picture.
Estimated remaining funds due at closing
$40,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,514.04
Your down payment$25,514.04
Closing costs + prepaids$14,928.42
Total buyer cash needed$40,442.46
Remaining funds due$40,442.46
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%)$2,371.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$625.00
Prepaid interest, first (18 days)$1,464.49
Fees + prepaids$14,928.42
Your down payment is the seller’s equity. You take over the $474,386 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $40,442.46 is due at closing. Uses and sources reconcile at $514,828.42 each. Not a Closing Disclosure.