Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$89,489Cash toward the purchase price.
Closing costs + prepaids$15,581Not just lender fees.
Before credits & paid funds$105,070The complete starting cash picture.
Estimated remaining funds due at closing
$105,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,488.78
Your down payment$89,488.78
Closing costs + prepaids$15,580.78
Total buyer cash needed$105,069.56
Remaining funds due$105,069.56
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,027.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,356.75
Prepaid interest, first (23 days)$1,778.47
Fees + prepaids$15,580.78
Your down payment is the seller’s equity. You take over the $405,511 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $105,069.56 is due at closing. Uses and sources reconcile at $510,580.78 each. Not a Closing Disclosure.