Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$78,953Cash toward the purchase price.
Closing costs + prepaids$15,335Not just lender fees.
Before credits & paid funds$94,288The complete starting cash picture.
Estimated remaining funds due at closing
$94,288No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,952.71
Your down payment$78,952.71
Closing costs + prepaids$15,335.02
Total buyer cash needed$94,287.73
Remaining funds due$94,287.73
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%)$4,975.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,092.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,078.50
Initial HOA (3 months)$81.00
Prepaid interest, first (22 days)$1,639.79
Fees + prepaids$15,335.02
Your down payment is the seller’s equity. You take over the $418,547 balance, so the rest of the $497,500 price is paid at closing. A second mortgage can cover part of it. $94,287.73 is due at closing. Uses and sources reconcile at $512,835.02 each. Not a Closing Disclosure.