Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$83,691Cash toward the purchase price.
Closing costs + prepaids$14,916Not just lender fees.
Before credits & paid funds$98,607The complete starting cash picture.
Estimated remaining funds due at closing
$98,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,691.26
Your down payment$83,691.26
Closing costs + prepaids$14,915.72
Total buyer cash needed$98,606.97
Remaining funds due$98,606.97
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%)$4,759.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,961.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,003.00
Prepaid interest, first (24 days)$724.67
Fees + prepaids$14,915.72
Your down payment is the seller’s equity. You take over the $392,209 balance, so the rest of the $475,900 price is paid at closing. A second mortgage can cover part of it. $98,606.97 is due at closing. Uses and sources reconcile at $490,815.72 each. Not a Closing Disclosure.