Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$69,704Cash toward the purchase price.
Closing costs + prepaids$15,644Not just lender fees.
Before credits & paid funds$85,348The complete starting cash picture.
Estimated remaining funds due at closing
$85,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,704.31
Your down payment$69,704.31
Closing costs + prepaids$15,643.87
Total buyer cash needed$85,348.17
Remaining funds due$85,348.17
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%)$4,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,145.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$128.25
Initial HOA (3 months)$795.00
Prepaid interest, first (29 days)$2,117.64
Fees + prepaids$15,643.87
Your down payment is the seller’s equity. You take over the $429,196 balance, so the rest of the $498,900 price is paid at closing. A second mortgage can cover part of it. $85,348.17 is due at closing. Uses and sources reconcile at $514,543.87 each. Not a Closing Disclosure.