Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$75,449Cash toward the purchase price.
Closing costs + prepaids$14,166Not just lender fees.
Before credits & paid funds$89,615The complete starting cash picture.
Estimated remaining funds due at closing
$89,615No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,448.86
Your down payment$75,448.86
Closing costs + prepaids$14,166.10
Total buyer cash needed$89,614.96
Remaining funds due$89,614.96
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,047.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$606.25
Prepaid interest, first (17 days)$1,194.09
Fees + prepaids$14,166.10
Your down payment is the seller’s equity. You take over the $409,551 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $89,614.96 is due at closing. Uses and sources reconcile at $499,166.10 each. Not a Closing Disclosure.