Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$44,053Cash toward the purchase price.
Closing costs + prepaids$15,107Not just lender fees.
Before credits & paid funds$59,161The complete starting cash picture.
Estimated remaining funds due at closing
$59,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,053.27
Your down payment$44,053.27
Closing costs + prepaids$15,107.46
Total buyer cash needed$59,160.73
Remaining funds due$59,160.73
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%)$2,279.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$555.50
Initial HOA (3 months)$494.01
Prepaid interest, first (27 days)$1,311.71
Fees + prepaids$15,107.46
Your down payment is the seller’s equity. You take over the $455,847 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $59,160.73 is due at closing. Uses and sources reconcile at $515,007.46 each. Not a Closing Disclosure.