Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,545Cash toward the purchase price.
Closing costs + prepaids$15,612Not just lender fees.
Before credits & paid funds$89,157The complete starting cash picture.
Estimated remaining funds due at closing
$89,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,545.29
Your down payment$73,545.29
Closing costs + prepaids$15,612.07
Total buyer cash needed$89,157.36
Remaining funds due$89,157.36
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%)$4,699.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,982.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,073.75
Initial HOA (3 months)$231.00
Prepaid interest, first (30 days)$2,157.12
Fees + prepaids$15,612.07
Your down payment is the seller’s equity. You take over the $396,450 balance, so the rest of the $469,995 price is paid at closing. A second mortgage can cover part of it. $89,157.36 is due at closing. Uses and sources reconcile at $485,607.07 each. Not a Closing Disclosure.