Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$75,837Cash toward the purchase price.
Closing costs + prepaids$15,734Not just lender fees.
Before credits & paid funds$91,571The complete starting cash picture.
Estimated remaining funds due at closing
$91,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,836.69
Your down payment$75,836.69
Closing costs + prepaids$15,733.83
Total buyer cash needed$91,570.52
Remaining funds due$91,570.52
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%)$4,960.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,100.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,409.25
Prepaid interest, first (24 days)$1,795.77
Fees + prepaids$15,733.83
Your down payment is the seller’s equity. You take over the $420,163 balance, so the rest of the $496,000 price is paid at closing. A second mortgage can cover part of it. $91,570.52 is due at closing. Uses and sources reconcile at $511,733.83 each. Not a Closing Disclosure.