Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$77,560Cash toward the purchase price.
Closing costs + prepaids$13,468Not just lender fees.
Before credits & paid funds$91,028The complete starting cash picture.
Estimated remaining funds due at closing
$91,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,559.88
Your down payment$77,559.88
Closing costs + prepaids$13,467.90
Total buyer cash needed$91,027.79
Remaining funds due$91,027.79
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Prepaid interest, first (12 days)$854.70
Fees + prepaids$13,467.90
Your down payment is the seller’s equity. You take over the $387,440 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $91,027.79 is due at closing. Uses and sources reconcile at $478,467.90 each. Not a Closing Disclosure.