Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,571Cash toward the purchase price.
Closing costs + prepaids$14,686Not just lender fees.
Before credits & paid funds$47,257The complete starting cash picture.
Estimated remaining funds due at closing
$47,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,571.25
Your down payment$32,571.25
Closing costs + prepaids$14,685.97
Total buyer cash needed$47,257.22
Remaining funds due$47,257.22
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%)$2,336.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$473.75
Initial HOA (3 months)$198.00
Prepaid interest, first (31 days)$1,210.57
Fees + prepaids$14,685.97
Your down payment is the seller’s equity. You take over the $467,329 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $47,257.22 is due at closing. Uses and sources reconcile at $514,585.97 each. Not a Closing Disclosure.