Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$18,402Cash toward the purchase price.
Closing costs + prepaids$15,401Not just lender fees.
Before credits & paid funds$33,802The complete starting cash picture.
Estimated remaining funds due at closing
$33,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,401.71
Your down payment$18,401.71
Closing costs + prepaids$15,400.70
Total buyer cash needed$33,802.41
Remaining funds due$33,802.41
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,402.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$455.50
Initial HOA (3 months)$215.01
Prepaid interest, first (21 days)$1,869.20
Fees + prepaids$15,400.70
Your down payment is the seller’s equity. You take over the $480,598 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $33,802.41 is due at closing. Uses and sources reconcile at $514,400.70 each. Not a Closing Disclosure.