Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$29,929Cash toward the purchase price.
Closing costs + prepaids$14,210Not just lender fees.
Before credits & paid funds$44,140The complete starting cash picture.
Estimated remaining funds due at closing
$44,140No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,929.42
Your down payment$29,929.42
Closing costs + prepaids$14,210.39
Total buyer cash needed$44,139.81
Remaining funds due$44,139.81
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%)$2,350.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (12 days)$792.04
Fees + prepaids$14,210.39
Your down payment is the seller’s equity. You take over the $470,071 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $44,139.81 is due at closing. Uses and sources reconcile at $514,210.39 each. Not a Closing Disclosure.