Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$60,899Cash toward the purchase price.
Closing costs + prepaids$14,333Not just lender fees.
Before credits & paid funds$75,232The complete starting cash picture.
Estimated remaining funds due at closing
$75,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,898.84
Your down payment$60,898.84
Closing costs + prepaids$14,333.46
Total buyer cash needed$75,232.30
Remaining funds due$75,232.30
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,195.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$625.00
Initial HOA (3 months)$186.00
Prepaid interest, first (14 days)$858.95
Fees + prepaids$14,333.46
Your down payment is the seller’s equity. You take over the $439,101 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $75,232.30 is due at closing. Uses and sources reconcile at $514,333.46 each. Not a Closing Disclosure.