Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$71,900Cash toward the purchase price.
Closing costs + prepaids$14,906Not just lender fees.
Before credits & paid funds$86,806The complete starting cash picture.
Estimated remaining funds due at closing
$86,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,899.71
Your down payment$71,899.71
Closing costs + prepaids$14,905.96
Total buyer cash needed$86,805.67
Remaining funds due$86,805.67
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%)$5,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,210.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$555.25
Prepaid interest, first (23 days)$1,532.21
Fees + prepaids$14,905.96
Your down payment is the seller’s equity. You take over the $442,100 balance, so the rest of the $514,000 price is paid at closing. A second mortgage can cover part of it. $86,805.67 is due at closing. Uses and sources reconcile at $528,905.96 each. Not a Closing Disclosure.