Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$27,808Cash toward the purchase price.
Closing costs + prepaids$13,876Not just lender fees.
Before credits & paid funds$41,685The complete starting cash picture.
Estimated remaining funds due at closing
$41,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,808.50
Your down payment$27,808.50
Closing costs + prepaids$13,876.05
Total buyer cash needed$41,684.55
Remaining funds due$41,684.55
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%)$2,360.96
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)$447.09
Fees + prepaids$13,876.05
Your down payment is the seller’s equity. You take over the $472,192 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $41,684.55 is due at closing. Uses and sources reconcile at $513,876.05 each. Not a Closing Disclosure.