Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$18,522Cash toward the purchase price.
Closing costs + prepaids$14,285Not just lender fees.
Before credits & paid funds$32,807The complete starting cash picture.
Estimated remaining funds due at closing
$32,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,521.83
Your down payment$18,521.83
Closing costs + prepaids$14,285.30
Total buyer cash needed$32,807.13
Remaining funds due$32,807.13
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%)$2,402.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$598.75
Prepaid interest, first (12 days)$826.16
Fees + prepaids$14,285.30
Your down payment is the seller’s equity. You take over the $480,478 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $32,807.13 is due at closing. Uses and sources reconcile at $513,285.30 each. Not a Closing Disclosure.