Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$76,115Cash toward the purchase price.
Closing costs + prepaids$12,951Not just lender fees.
Before credits & paid funds$89,065The complete starting cash picture.
Estimated remaining funds due at closing
$89,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,114.59
Your down payment$76,114.59
Closing costs + prepaids$12,950.64
Total buyer cash needed$89,065.24
Remaining funds due$89,065.24
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%)$4,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,089.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$399.75
Prepaid interest, first (1 days)$53.47
Fees + prepaids$12,950.64
Your down payment is the seller’s equity. You take over the $417,885 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $89,065.24 is due at closing. Uses and sources reconcile at $506,950.64 each. Not a Closing Disclosure.