Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$73,130Cash toward the purchase price.
Closing costs + prepaids$15,843Not just lender fees.
Before credits & paid funds$88,974The complete starting cash picture.
Estimated remaining funds due at closing
$88,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,130.27
Your down payment$73,130.27
Closing costs + prepaids$15,843.24
Total buyer cash needed$88,973.51
Remaining funds due$88,973.51
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%)$5,455.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,361.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$371.25
Prepaid interest, first (26 days)$2,187.14
Fees + prepaids$15,843.24
Your down payment is the seller’s equity. You take over the $472,370 balance, so the rest of the $545,500 price is paid at closing. A second mortgage can cover part of it. $88,973.51 is due at closing. Uses and sources reconcile at $561,343.24 each. Not a Closing Disclosure.