Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$91,074Cash toward the purchase price.
Closing costs + prepaids$13,985Not just lender fees.
Before credits & paid funds$105,060The complete starting cash picture.
Estimated remaining funds due at closing
$105,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,074.23
Your down payment$91,074.23
Closing costs + prepaids$13,985.34
Total buyer cash needed$105,059.57
Remaining funds due$105,059.57
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%)$1,944.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$577.25
Initial HOA (3 months)$114.00
Prepaid interest, first (23 days)$1,082.96
Fees + prepaids$13,985.34
Your down payment is the seller’s equity. You take over the $388,826 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $105,059.57 is due at closing. Uses and sources reconcile at $493,885.34 each. Not a Closing Disclosure.