Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$74,946Cash toward the purchase price.
Closing costs + prepaids$14,034Not just lender fees.
Before credits & paid funds$88,981The complete starting cash picture.
Estimated remaining funds due at closing
$88,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,946.13
Your down payment$74,946.13
Closing costs + prepaids$14,034.41
Total buyer cash needed$88,980.54
Remaining funds due$88,980.54
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,000.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$850.75
Initial HOA (3 months)$24.99
Prepaid interest, first (30 days)$940.40
Fees + prepaids$14,034.41
Your down payment is the seller’s equity. You take over the $400,054 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $88,980.54 is due at closing. Uses and sources reconcile at $489,034.41 each. Not a Closing Disclosure.