Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$72,280Cash toward the purchase price.
Closing costs + prepaids$13,606Not just lender fees.
Before credits & paid funds$85,886The complete starting cash picture.
Estimated remaining funds due at closing
$85,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,279.70
Your down payment$72,279.70
Closing costs + prepaids$13,606.21
Total buyer cash needed$85,885.91
Remaining funds due$85,885.91
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$570.00
Initial HOA (3 months)$90.00
Prepaid interest, first (12 days)$716.11
Fees + prepaids$13,606.21
Your down payment is the seller’s equity. You take over the $402,620 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $85,885.91 is due at closing. Uses and sources reconcile at $488,506.21 each. Not a Closing Disclosure.