Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$95,864Cash toward the purchase price.
Closing costs + prepaids$14,919Not just lender fees.
Before credits & paid funds$110,784The complete starting cash picture.
Estimated remaining funds due at closing
$110,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,864.43
Your down payment$95,864.43
Closing costs + prepaids$14,919.42
Total buyer cash needed$110,783.86
Remaining funds due$110,783.86
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%)$4,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,960.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$493.00
Prepaid interest, first (28 days)$2,117.75
Fees + prepaids$14,919.42
Your down payment is the seller’s equity. You take over the $392,136 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $110,783.86 is due at closing. Uses and sources reconcile at $502,919.42 each. Not a Closing Disclosure.