Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$98,007Cash toward the purchase price.
Closing costs + prepaids$16,374Not just lender fees.
Before credits & paid funds$114,381The complete starting cash picture.
Estimated remaining funds due at closing
$114,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,006.58
Your down payment$98,006.58
Closing costs + prepaids$16,374.31
Total buyer cash needed$114,380.88
Remaining funds due$114,380.88
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,904.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$3,015.75
Prepaid interest, first (23 days)$1,195.59
Fees + prepaids$16,374.31
Your down payment is the seller’s equity. You take over the $380,993 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $114,380.88 is due at closing. Uses and sources reconcile at $495,374.31 each. Not a Closing Disclosure.