Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$38,858Cash toward the purchase price.
Closing costs + prepaids$15,062Not just lender fees.
Before credits & paid funds$53,921The complete starting cash picture.
Estimated remaining funds due at closing
$53,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,858.44
Your down payment$38,858.44
Closing costs + prepaids$15,062.20
Total buyer cash needed$53,920.64
Remaining funds due$53,920.64
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%)$4,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,295.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$597.50
Initial HOA (3 months)$330.99
Prepaid interest, first (17 days)$1,390.00
Fees + prepaids$15,062.20
Your down payment is the seller’s equity. You take over the $459,142 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $53,920.64 is due at closing. Uses and sources reconcile at $513,062.20 each. Not a Closing Disclosure.