Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$36,648Cash toward the purchase price.
Closing costs + prepaids$14,197Not just lender fees.
Before credits & paid funds$50,845The complete starting cash picture.
Estimated remaining funds due at closing
$50,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,647.69
Your down payment$36,647.69
Closing costs + prepaids$14,197.48
Total buyer cash needed$50,845.16
Remaining funds due$50,845.16
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%)$2,316.76
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)$342.00
Prepaid interest, first (12 days)$470.72
Fees + prepaids$14,197.48
Your down payment is the seller’s equity. You take over the $463,352 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $50,845.16 is due at closing. Uses and sources reconcile at $514,197.48 each. Not a Closing Disclosure.