Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$62,186Cash toward the purchase price.
Closing costs + prepaids$14,780Not just lender fees.
Before credits & paid funds$76,967The complete starting cash picture.
Estimated remaining funds due at closing
$76,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,186.19
Your down payment$62,186.19
Closing costs + prepaids$14,780.43
Total buyer cash needed$76,966.62
Remaining funds due$76,966.62
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,989.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$773.75
Prepaid interest, first (26 days)$1,949.61
Fees + prepaids$14,780.43
Your down payment is the seller’s equity. You take over the $397,814 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $76,966.62 is due at closing. Uses and sources reconcile at $474,780.43 each. Not a Closing Disclosure.