Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$65,536Cash toward the purchase price.
Closing costs + prepaids$14,164Not just lender fees.
Before credits & paid funds$79,700The complete starting cash picture.
Estimated remaining funds due at closing
$79,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,535.71
Your down payment$65,535.71
Closing costs + prepaids$14,164.47
Total buyer cash needed$79,700.18
Remaining funds due$79,700.18
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%)$2,097.32
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 (15 days)$1,142.90
Fees + prepaids$14,164.47
Your down payment is the seller’s equity. You take over the $419,464 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $79,700.18 is due at closing. Uses and sources reconcile at $499,164.47 each. Not a Closing Disclosure.