Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,130Cash toward the purchase price.
Closing costs + prepaids$16,264Not just lender fees.
Before credits & paid funds$89,394The complete starting cash picture.
Estimated remaining funds due at closing
$89,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,130.27
Your down payment$73,130.27
Closing costs + prepaids$16,263.84
Total buyer cash needed$89,394.11
Remaining funds due$89,394.11
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%)$5,455.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,361.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$371.25
Prepaid interest, first (31 days)$2,607.74
Fees + prepaids$16,263.84
Your down payment is the seller’s equity. You take over the $472,370 balance, so the rest of the $545,500 price is paid at closing. A second mortgage can cover part of it. $89,394.11 is due at closing. Uses and sources reconcile at $561,763.84 each. Not a Closing Disclosure.