Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$82,295Cash toward the purchase price.
Closing costs + prepaids$14,116Not just lender fees.
Before credits & paid funds$96,411The complete starting cash picture.
Estimated remaining funds due at closing
$96,411No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,294.66
Your down payment$82,294.66
Closing costs + prepaids$14,116.28
Total buyer cash needed$96,410.94
Remaining funds due$96,410.94
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,088.53
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)$57.51
Prepaid interest, first (12 days)$902.24
Fees + prepaids$14,116.28
Your down payment is the seller’s equity. You take over the $417,705 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $96,410.94 is due at closing. Uses and sources reconcile at $514,116.28 each. Not a Closing Disclosure.