Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$78,270Cash toward the purchase price.
Closing costs + prepaids$15,309Not just lender fees.
Before credits & paid funds$93,579The complete starting cash picture.
Estimated remaining funds due at closing
$93,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,270.17
Your down payment$78,270.17
Closing costs + prepaids$15,308.89
Total buyer cash needed$93,579.06
Remaining funds due$93,579.06
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%)$4,888.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,053.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,222.25
Prepaid interest, first (27 days)$1,676.67
Fees + prepaids$15,308.89
Your down payment is the seller’s equity. You take over the $410,618 balance, so the rest of the $488,888 price is paid at closing. A second mortgage can cover part of it. $93,579.06 is due at closing. Uses and sources reconcile at $504,196.89 each. Not a Closing Disclosure.