Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$63,164Cash toward the purchase price.
Closing costs + prepaids$13,813Not just lender fees.
Before credits & paid funds$76,976The complete starting cash picture.
Estimated remaining funds due at closing
$76,976No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,163.64
Your down payment$63,163.64
Closing costs + prepaids$13,812.65
Total buyer cash needed$76,976.29
Remaining funds due$76,976.29
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$293.75
Prepaid interest, first (31 days)$1,241.71
Fees + prepaids$13,812.65
Your down payment is the seller’s equity. You take over the $411,836 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $76,976.29 is due at closing. Uses and sources reconcile at $488,812.65 each. Not a Closing Disclosure.