Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$44,107Cash toward the purchase price.
Closing costs + prepaids$14,698Not just lender fees.
Before credits & paid funds$58,805The complete starting cash picture.
Estimated remaining funds due at closing
$58,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,107.07
Your down payment$44,107.07
Closing costs + prepaids$14,697.92
Total buyer cash needed$58,804.99
Remaining funds due$58,804.99
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,304.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.00
Initial HOA (3 months)$306.00
Prepaid interest, first (10 days)$963.46
Fees + prepaids$14,697.92
Your down payment is the seller’s equity. You take over the $460,893 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $58,804.99 is due at closing. Uses and sources reconcile at $519,697.92 each. Not a Closing Disclosure.