Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,643Cash toward the purchase price.
Closing costs + prepaids$16,376Not just lender fees.
Before credits & paid funds$90,019The complete starting cash picture.
Estimated remaining funds due at closing
$90,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,642.79
Your down payment$73,642.79
Closing costs + prepaids$16,376.19
Total buyer cash needed$90,018.98
Remaining funds due$90,018.98
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%)$5,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,231.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,254.50
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$2,050.92
Fees + prepaids$16,376.19
Your down payment is the seller’s equity. You take over the $446,356 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $90,018.98 is due at closing. Uses and sources reconcile at $536,375.19 each. Not a Closing Disclosure.