Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$74,826Cash toward the purchase price.
Closing costs + prepaids$15,195Not just lender fees.
Before credits & paid funds$90,021The complete starting cash picture.
Estimated remaining funds due at closing
$90,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,825.75
Your down payment$74,825.75
Closing costs + prepaids$15,195.26
Total buyer cash needed$90,021.01
Remaining funds due$90,021.01
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,500.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Initial HOA (3 months)$120.00
Prepaid interest, first (15 days)$639.14
Fees + prepaids$15,195.26
Your down payment is the seller’s equity. You take over the $500,074 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $90,021.01 is due at closing. Uses and sources reconcile at $590,095.26 each. Not a Closing Disclosure.