Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$78,320Cash toward the purchase price.
Closing costs + prepaids$14,883Not just lender fees.
Before credits & paid funds$93,203The complete starting cash picture.
Estimated remaining funds due at closing
$93,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,319.67
Your down payment$78,319.67
Closing costs + prepaids$14,883.09
Total buyer cash needed$93,202.76
Remaining funds due$93,202.76
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,407.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.00
Initial HOA (3 months)$300.00
Prepaid interest, first (6 days)$436.19
Fees + prepaids$14,883.09
Your down payment is the seller’s equity. You take over the $481,580 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $93,202.76 is due at closing. Uses and sources reconcile at $574,783.09 each. Not a Closing Disclosure.