Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$50,045Cash toward the purchase price.
Closing costs + prepaids$14,625Not just lender fees.
Before credits & paid funds$64,670The complete starting cash picture.
Estimated remaining funds due at closing
$64,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,045.05
Your down payment$50,045.05
Closing costs + prepaids$14,624.84
Total buyer cash needed$64,669.89
Remaining funds due$64,669.89
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%)$2,249.77
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 (16 days)$1,282.06
Fees + prepaids$14,624.84
Your down payment is the seller’s equity. You take over the $449,955 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $64,669.89 is due at closing. Uses and sources reconcile at $514,624.84 each. Not a Closing Disclosure.