Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$86,074Cash toward the purchase price.
Closing costs + prepaids$13,481Not just lender fees.
Before credits & paid funds$99,555The complete starting cash picture.
Estimated remaining funds due at closing
$99,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,074.23
Your down payment$86,074.23
Closing costs + prepaids$13,480.99
Total buyer cash needed$99,555.22
Remaining funds due$99,555.22
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%)$4,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,944.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$593.75
Initial HOA (3 months)$114.00
Prepaid interest, first (13 days)$612.11
Fees + prepaids$13,480.99
Your down payment is the seller’s equity. You take over the $388,826 balance, so the rest of the $474,900 price is paid at closing. A second mortgage can cover part of it. $99,555.22 is due at closing. Uses and sources reconcile at $488,380.99 each. Not a Closing Disclosure.