Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$70,266Cash toward the purchase price.
Closing costs + prepaids$13,877Not just lender fees.
Before credits & paid funds$84,144The complete starting cash picture.
Estimated remaining funds due at closing
$84,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,266.50
Your down payment$70,266.50
Closing costs + prepaids$13,877.09
Total buyer cash needed$84,143.59
Remaining funds due$84,143.59
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,123.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$382.50
Initial HOA (3 months)$150.00
Prepaid interest, first (20 days)$802.92
Fees + prepaids$13,877.09
Your down payment is the seller’s equity. You take over the $424,734 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $84,143.59 is due at closing. Uses and sources reconcile at $508,877.09 each. Not a Closing Disclosure.