Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$76,859Cash toward the purchase price.
Closing costs + prepaids$14,022Not just lender fees.
Before credits & paid funds$90,881The complete starting cash picture.
Estimated remaining funds due at closing
$90,881No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,859.07
Your down payment$76,859.07
Closing costs + prepaids$14,021.98
Total buyer cash needed$90,881.06
Remaining funds due$90,881.06
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,065.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$850.28
Fees + prepaids$14,021.98
Your down payment is the seller’s equity. You take over the $413,141 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $90,881.06 is due at closing. Uses and sources reconcile at $504,021.98 each. Not a Closing Disclosure.