Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$77,198Cash toward the purchase price.
Closing costs + prepaids$14,357Not just lender fees.
Before credits & paid funds$91,556The complete starting cash picture.
Estimated remaining funds due at closing
$91,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,198.42
Your down payment$77,198.42
Closing costs + prepaids$14,357.27
Total buyer cash needed$91,555.68
Remaining funds due$91,555.68
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%)$4,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,949.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$282.50
Initial HOA (3 months)$200.01
Prepaid interest, first (27 days)$1,787.75
Fees + prepaids$14,357.27
Your down payment is the seller’s equity. You take over the $389,802 balance, so the rest of the $467,000 price is paid at closing. A second mortgage can cover part of it. $91,555.68 is due at closing. Uses and sources reconcile at $481,357.27 each. Not a Closing Disclosure.