Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$89,137Cash toward the purchase price.
Closing costs + prepaids$14,080Not just lender fees.
Before credits & paid funds$103,216The complete starting cash picture.
Estimated remaining funds due at closing
$103,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,136.62
Your down payment$89,136.62
Closing costs + prepaids$14,079.54
Total buyer cash needed$103,216.16
Remaining funds due$103,216.16
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,929.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$519.00
Initial HOA (3 months)$255.00
Prepaid interest, first (22 days)$1,158.22
Fees + prepaids$14,079.54
Your down payment is the seller’s equity. You take over the $385,863 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $103,216.16 is due at closing. Uses and sources reconcile at $489,079.54 each. Not a Closing Disclosure.