Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$68,093Cash toward the purchase price.
Closing costs + prepaids$15,394Not just lender fees.
Before credits & paid funds$83,487The complete starting cash picture.
Estimated remaining funds due at closing
$83,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,092.68
Your down payment$68,092.68
Closing costs + prepaids$15,393.84
Total buyer cash needed$83,486.52
Remaining funds due$83,486.52
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,084.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$605.75
Initial HOA (3 months)$84.00
Prepaid interest, first (31 days)$2,301.56
Fees + prepaids$15,393.84
Your down payment is the seller’s equity. You take over the $416,907 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $83,486.52 is due at closing. Uses and sources reconcile at $500,393.84 each. Not a Closing Disclosure.