Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$87,558Cash toward the purchase price.
Closing costs + prepaids$14,181Not just lender fees.
Before credits & paid funds$101,739The complete starting cash picture.
Estimated remaining funds due at closing
$101,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,558.06
Your down payment$87,558.06
Closing costs + prepaids$14,180.90
Total buyer cash needed$101,738.96
Remaining funds due$101,738.96
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,961.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,199.75
Prepaid interest, first (25 days)$752.44
Fees + prepaids$14,180.90
Your down payment is the seller’s equity. You take over the $392,342 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $101,738.96 is due at closing. Uses and sources reconcile at $494,080.90 each. Not a Closing Disclosure.