Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,741Cash toward the purchase price.
Closing costs + prepaids$14,173Not just lender fees.
Before credits & paid funds$90,915The complete starting cash picture.
Estimated remaining funds due at closing
$90,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,741.26
Your down payment$76,741.26
Closing costs + prepaids$14,173.43
Total buyer cash needed$90,914.69
Remaining funds due$90,914.69
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,015.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$661.00
Initial HOA (3 months)$112.50
Prepaid interest, first (26 days)$1,117.14
Fees + prepaids$14,173.43
Your down payment is the seller’s equity. You take over the $403,159 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $90,914.69 is due at closing. Uses and sources reconcile at $494,073.43 each. Not a Closing Disclosure.