Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$69,443Cash toward the purchase price.
Closing costs + prepaids$14,723Not just lender fees.
Before credits & paid funds$84,166The complete starting cash picture.
Estimated remaining funds due at closing
$84,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,443.01
Your down payment$69,443.01
Closing costs + prepaids$14,722.69
Total buyer cash needed$84,165.70
Remaining funds due$84,165.70
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,077.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,212.50
Initial HOA (3 months)$99.99
Prepaid interest, first (27 days)$1,014.41
Fees + prepaids$14,722.69
Your down payment is the seller’s equity. You take over the $415,557 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $84,165.70 is due at closing. Uses and sources reconcile at $499,722.69 each. Not a Closing Disclosure.