Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$57,622Cash toward the purchase price.
Closing costs + prepaids$14,184Not just lender fees.
Before credits & paid funds$71,806The complete starting cash picture.
Estimated remaining funds due at closing
$71,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,622.00
Your down payment$57,622.00
Closing costs + prepaids$14,183.64
Total buyer cash needed$71,805.65
Remaining funds due$71,805.65
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,206.89
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)$920.00
Fees + prepaids$14,183.64
Your down payment is the seller’s equity. You take over the $441,378 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $71,805.65 is due at closing. Uses and sources reconcile at $513,183.64 each. Not a Closing Disclosure.