Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$60,895Cash toward the purchase price.
Closing costs + prepaids$14,416Not just lender fees.
Before credits & paid funds$75,312The complete starting cash picture.
Estimated remaining funds due at closing
$75,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,895.33
Your down payment$60,895.33
Closing costs + prepaids$14,416.41
Total buyer cash needed$75,311.74
Remaining funds due$75,311.74
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%)$2,195.02
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 (15 days)$1,129.38
Fees + prepaids$14,416.41
Your down payment is the seller’s equity. You take over the $439,005 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $75,311.74 is due at closing. Uses and sources reconcile at $514,316.41 each. Not a Closing Disclosure.