Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,351Cash toward the purchase price.
Closing costs + prepaids$15,488Not just lender fees.
Before credits & paid funds$91,839The complete starting cash picture.
Estimated remaining funds due at closing
$91,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,351.42
Your down payment$76,351.42
Closing costs + prepaids$15,487.53
Total buyer cash needed$91,838.94
Remaining funds due$91,838.94
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,113.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$998.50
Prepaid interest, first (26 days)$1,917.78
Fees + prepaids$15,487.53
Your down payment is the seller’s equity. You take over the $422,649 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $91,838.94 is due at closing. Uses and sources reconcile at $514,487.53 each. Not a Closing Disclosure.