Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$70,129Cash toward the purchase price.
Closing costs + prepaids$15,398Not just lender fees.
Before credits & paid funds$85,527The complete starting cash picture.
Estimated remaining funds due at closing
$85,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,129.30
Your down payment$70,129.30
Closing costs + prepaids$15,398.07
Total buyer cash needed$85,527.37
Remaining funds due$85,527.37
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,944.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,147.50
Initial HOA (3 months)$342.00
Prepaid interest, first (28 days)$1,906.21
Fees + prepaids$15,398.07
Your down payment is the seller’s equity. You take over the $388,871 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $85,527.37 is due at closing. Uses and sources reconcile at $474,398.07 each. Not a Closing Disclosure.