Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$35,077Cash toward the purchase price.
Closing costs + prepaids$14,334Not just lender fees.
Before credits & paid funds$49,411The complete starting cash picture.
Estimated remaining funds due at closing
$49,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,076.80
Your down payment$35,076.80
Closing costs + prepaids$14,334.15
Total buyer cash needed$49,410.95
Remaining funds due$49,410.95
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,319.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$598.75
Initial HOA (3 months)$154.50
Prepaid interest, first (10 days)$803.29
Fees + prepaids$14,334.15
Your down payment is the seller’s equity. You take over the $463,923 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $49,410.95 is due at closing. Uses and sources reconcile at $513,334.15 each. Not a Closing Disclosure.