Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,173Cash toward the purchase price.
Closing costs + prepaids$13,421Not just lender fees.
Before credits & paid funds$20,594The complete starting cash picture.
Estimated remaining funds due at closing
$20,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,172.59
Your down payment$7,172.59
Closing costs + prepaids$13,421.41
Total buyer cash needed$20,594.00
Remaining funds due$20,594.00
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,464.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$398.00
Prepaid interest, first (1 days)$91.27
Fees + prepaids$13,421.41
Your down payment is the seller’s equity. You take over the $492,827 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $20,594.00 is due at closing. Uses and sources reconcile at $513,421.41 each. Not a Closing Disclosure.