Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,005Cash toward the purchase price.
Closing costs + prepaids$14,246Not just lender fees.
Before credits & paid funds$109,251The complete starting cash picture.
Estimated remaining funds due at closing
$109,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,005.33
Your down payment$95,005.33
Closing costs + prepaids$14,245.80
Total buyer cash needed$109,251.13
Remaining funds due$109,251.13
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%)$4,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,869.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$528.25
Initial HOA (3 months)$84.99
Prepaid interest, first (30 days)$1,604.59
Fees + prepaids$14,245.80
Your down payment is the seller’s equity. You take over the $373,995 balance, so the rest of the $469,000 price is paid at closing. A second mortgage can cover part of it. $109,251.13 is due at closing. Uses and sources reconcile at $483,245.80 each. Not a Closing Disclosure.