Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,057Cash toward the purchase price.
Closing costs + prepaids$16,521Not just lender fees.
Before credits & paid funds$32,577The complete starting cash picture.
Estimated remaining funds due at closing
$32,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,056.56
Your down payment$16,056.56
Closing costs + prepaids$16,520.75
Total buyer cash needed$32,577.31
Remaining funds due$32,577.31
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,419.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$552.00
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$2,799.04
Fees + prepaids$16,520.75
Your down payment is the seller’s equity. You take over the $483,942 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $32,577.31 is due at closing. Uses and sources reconcile at $516,519.75 each. Not a Closing Disclosure.