Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,251Cash toward the purchase price.
Closing costs + prepaids$14,912Not just lender fees.
Before credits & paid funds$97,163The complete starting cash picture.
Estimated remaining funds due at closing
$97,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,251.04
Your down payment$82,251.04
Closing costs + prepaids$14,912.02
Total buyer cash needed$97,163.06
Remaining funds due$97,163.06
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,088.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$398.75
Prepaid interest, first (31 days)$1,958.03
Fees + prepaids$14,912.02
Your down payment is the seller’s equity. You take over the $417,649 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $97,163.06 is due at closing. Uses and sources reconcile at $514,812.02 each. Not a Closing Disclosure.