Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$77,560Cash toward the purchase price.
Closing costs + prepaids$13,041Not just lender fees.
Before credits & paid funds$90,600The complete starting cash picture.
Estimated remaining funds due at closing
$90,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,559.88
Your down payment$77,559.88
Closing costs + prepaids$13,040.55
Total buyer cash needed$90,600.44
Remaining funds due$90,600.44
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,937.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.00
Prepaid interest, first (6 days)$427.35
Fees + prepaids$13,040.55
Your down payment is the seller’s equity. You take over the $387,440 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $90,600.44 is due at closing. Uses and sources reconcile at $478,040.55 each. Not a Closing Disclosure.