Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$65,260Cash toward the purchase price.
Closing costs + prepaids$14,225Not just lender fees.
Before credits & paid funds$79,485The complete starting cash picture.
Estimated remaining funds due at closing
$79,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,260.24
Your down payment$65,260.24
Closing costs + prepaids$14,225.15
Total buyer cash needed$79,485.39
Remaining funds due$79,485.39
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%)$4,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,113.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$585.50
Initial HOA (3 months)$395.01
Prepaid interest, first (10 days)$782.94
Fees + prepaids$14,225.15
Your down payment is the seller’s equity. You take over the $422,740 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $79,485.39 is due at closing. Uses and sources reconcile at $502,225.15 each. Not a Closing Disclosure.