Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,463Cash toward the purchase price.
Closing costs + prepaids$15,659Not just lender fees.
Before credits & paid funds$89,122The complete starting cash picture.
Estimated remaining funds due at closing
$89,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,462.93
Your down payment$73,462.93
Closing costs + prepaids$15,658.68
Total buyer cash needed$89,121.61
Remaining funds due$89,121.61
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%)$4,599.25
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,002.75
Initial HOA (3 months)$579.00
Prepaid interest, first (30 days)$2,077.37
Fees + prepaids$15,658.68
Your down payment is the seller’s equity. You take over the $386,462 balance, so the rest of the $459,925 price is paid at closing. A second mortgage can cover part of it. $89,121.61 is due at closing. Uses and sources reconcile at $475,583.68 each. Not a Closing Disclosure.