Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$72,335Cash toward the purchase price.
Closing costs + prepaids$13,640Not just lender fees.
Before credits & paid funds$85,976The complete starting cash picture.
Estimated remaining funds due at closing
$85,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,335.49
Your down payment$72,335.49
Closing costs + prepaids$13,640.24
Total buyer cash needed$85,975.73
Remaining funds due$85,975.73
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,033.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$475.50
Initial HOA (3 months)$7.50
Prepaid interest, first (29 days)$865.92
Fees + prepaids$13,640.24
Your down payment is the seller’s equity. You take over the $406,665 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $85,975.73 is due at closing. Uses and sources reconcile at $492,640.24 each. Not a Closing Disclosure.