Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$82,505Cash toward the purchase price.
Closing costs + prepaids$14,548Not just lender fees.
Before credits & paid funds$97,053The complete starting cash picture.
Estimated remaining funds due at closing
$97,053No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,505.16
Your down payment$82,505.16
Closing costs + prepaids$14,547.68
Total buyer cash needed$97,052.84
Remaining funds due$97,052.84
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%)$1,962.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$692.00
Initial HOA (3 months)$723.00
Prepaid interest, first (23 days)$952.20
Fees + prepaids$14,547.68
Your down payment is the seller’s equity. You take over the $392,495 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $97,052.84 is due at closing. Uses and sources reconcile at $489,547.68 each. Not a Closing Disclosure.