Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$8,512Cash toward the purchase price.
Closing costs + prepaids$13,666Not just lender fees.
Before credits & paid funds$22,177The complete starting cash picture.
Estimated remaining funds due at closing
$22,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,511.61
Your down payment$8,511.61
Closing costs + prepaids$13,665.75
Total buyer cash needed$22,177.36
Remaining funds due$22,177.36
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%)$2,452.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.25
Initial HOA (3 months)$195.00
Prepaid interest, first (2 days)$101.05
Fees + prepaids$13,665.75
Your down payment is the seller’s equity. You take over the $490,488 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $22,177.36 is due at closing. Uses and sources reconcile at $512,665.75 each. Not a Closing Disclosure.