Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$74,819Cash toward the purchase price.
Closing costs + prepaids$13,941Not just lender fees.
Before credits & paid funds$88,760The complete starting cash picture.
Estimated remaining funds due at closing
$88,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,819.25
Your down payment$74,819.25
Closing costs + prepaids$13,941.18
Total buyer cash needed$88,760.43
Remaining funds due$88,760.43
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%)$4,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,085.90
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 (20 days)$1,067.53
Fees + prepaids$13,941.18
Your down payment is the seller’s equity. You take over the $417,181 balance, so the rest of the $492,000 price is paid at closing. A second mortgage can cover part of it. $88,760.43 is due at closing. Uses and sources reconcile at $505,941.18 each. Not a Closing Disclosure.