Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$75,180Cash toward the purchase price.
Closing costs + prepaids$12,908Not just lender fees.
Before credits & paid funds$88,087The complete starting cash picture.
Estimated remaining funds due at closing
$88,087No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,179.53
Your down payment$75,179.53
Closing costs + prepaids$12,907.95
Total buyer cash needed$88,087.48
Remaining funds due$88,087.48
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,974.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$564.00
Prepaid interest, first (6 days)$201.85
Fees + prepaids$12,907.95
Your down payment is the seller’s equity. You take over the $394,820 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $88,087.48 is due at closing. Uses and sources reconcile at $482,907.95 each. Not a Closing Disclosure.