Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$6,658Cash toward the purchase price.
Closing costs + prepaids$14,617Not just lender fees.
Before credits & paid funds$21,275The complete starting cash picture.
Estimated remaining funds due at closing
$21,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,657.91
Your down payment$6,657.91
Closing costs + prepaids$14,616.82
Total buyer cash needed$21,274.73
Remaining funds due$21,274.73
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%)$4,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,456.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.50
Prepaid interest, first (12 days)$1,114.61
Fees + prepaids$14,616.82
Your down payment is the seller’s equity. You take over the $491,342 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $21,274.73 is due at closing. Uses and sources reconcile at $512,616.82 each. Not a Closing Disclosure.