Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,253Cash toward the purchase price.
Closing costs + prepaids$14,987Not just lender fees.
Before credits & paid funds$90,240The complete starting cash picture.
Estimated remaining funds due at closing
$90,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,252.79
Your down payment$75,252.79
Closing costs + prepaids$14,987.37
Total buyer cash needed$90,240.16
Remaining funds due$90,240.16
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,923.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,433.00
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$947.64
Fees + prepaids$14,987.37
Your down payment is the seller’s equity. You take over the $384,747 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $90,240.16 is due at closing. Uses and sources reconcile at $474,987.37 each. Not a Closing Disclosure.