Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$44,053Cash toward the purchase price.
Closing costs + prepaids$14,326Not just lender fees.
Before credits & paid funds$58,379The complete starting cash picture.
Estimated remaining funds due at closing
$58,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,053.27
Your down payment$44,053.27
Closing costs + prepaids$14,326.06
Total buyer cash needed$58,379.33
Remaining funds due$58,379.33
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%)$2,279.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$494.01
Prepaid interest, first (10 days)$485.82
Fees + prepaids$14,326.06
Your down payment is the seller’s equity. You take over the $455,847 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $58,379.33 is due at closing. Uses and sources reconcile at $514,226.06 each. Not a Closing Disclosure.