Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$78,867Cash toward the purchase price.
Closing costs + prepaids$14,374Not just lender fees.
Before credits & paid funds$93,241The complete starting cash picture.
Estimated remaining funds due at closing
$93,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,866.67
Your down payment$78,866.67
Closing costs + prepaids$14,373.97
Total buyer cash needed$93,240.64
Remaining funds due$93,240.64
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%)$5,385.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,298.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$646.25
Initial HOA (3 months)$61.26
Prepaid interest, first (6 days)$515.29
Fees + prepaids$14,373.97
Your down payment is the seller’s equity. You take over the $459,633 balance, so the rest of the $538,500 price is paid at closing. A second mortgage can cover part of it. $93,240.64 is due at closing. Uses and sources reconcile at $552,873.97 each. Not a Closing Disclosure.