Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$75,753Cash toward the purchase price.
Closing costs + prepaids$13,425Not just lender fees.
Before credits & paid funds$89,178The complete starting cash picture.
Estimated remaining funds due at closing
$89,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,753.47
Your down payment$75,753.47
Closing costs + prepaids$13,424.96
Total buyer cash needed$89,178.43
Remaining funds due$89,178.43
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,946.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$365.75
Prepaid interest, first (30 days)$994.98
Fees + prepaids$13,424.96
Your down payment is the seller’s equity. You take over the $389,247 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $89,178.43 is due at closing. Uses and sources reconcile at $478,424.96 each. Not a Closing Disclosure.