Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$72,975Cash toward the purchase price.
Closing costs + prepaids$13,894Not just lender fees.
Before credits & paid funds$86,869The complete starting cash picture.
Estimated remaining funds due at closing
$86,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,974.87
Your down payment$72,974.87
Closing costs + prepaids$13,894.01
Total buyer cash needed$86,868.89
Remaining funds due$86,868.89
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,984.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Prepaid interest, first (15 days)$1,154.89
Fees + prepaids$13,894.01
Your down payment is the seller’s equity. You take over the $396,925 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $86,868.89 is due at closing. Uses and sources reconcile at $483,794.01 each. Not a Closing Disclosure.