Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$73,298Cash toward the purchase price.
Closing costs + prepaids$14,594Not just lender fees.
Before credits & paid funds$87,891The complete starting cash picture.
Estimated remaining funds due at closing
$87,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,297.53
Your down payment$73,297.53
Closing costs + prepaids$14,593.56
Total buyer cash needed$87,891.09
Remaining funds due$87,891.09
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,008.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$643.25
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$1,573.79
Fees + prepaids$14,593.56
Your down payment is the seller’s equity. You take over the $401,702 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $87,891.09 is due at closing. Uses and sources reconcile at $489,593.56 each. Not a Closing Disclosure.