Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$55,695Cash toward the purchase price.
Closing costs + prepaids$14,662Not just lender fees.
Before credits & paid funds$70,357The complete starting cash picture.
Estimated remaining funds due at closing
$70,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,695.11
Your down payment$55,695.11
Closing costs + prepaids$14,662.10
Total buyer cash needed$70,357.21
Remaining funds due$70,357.21
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%)$2,221.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$705.25
Initial HOA (3 months)$474.00
Prepaid interest, first (21 days)$794.82
Fees + prepaids$14,662.10
Your down payment is the seller’s equity. You take over the $444,205 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $70,357.21 is due at closing. Uses and sources reconcile at $514,562.10 each. Not a Closing Disclosure.