Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$64,362Cash toward the purchase price.
Closing costs + prepaids$14,255Not just lender fees.
Before credits & paid funds$78,617The complete starting cash picture.
Estimated remaining funds due at closing
$78,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,362.14
Your down payment$64,362.14
Closing costs + prepaids$14,254.52
Total buyer cash needed$78,616.65
Remaining funds due$78,616.65
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%)$2,177.69
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)$6.00
Prepaid interest, first (13 days)$978.83
Fees + prepaids$14,254.52
Your down payment is the seller’s equity. You take over the $435,538 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $78,616.65 is due at closing. Uses and sources reconcile at $514,154.52 each. Not a Closing Disclosure.