Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$74,196Cash toward the purchase price.
Closing costs + prepaids$15,244Not just lender fees.
Before credits & paid funds$89,441The complete starting cash picture.
Estimated remaining funds due at closing
$89,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,196.32
Your down payment$74,196.32
Closing costs + prepaids$15,244.44
Total buyer cash needed$89,440.76
Remaining funds due$89,440.76
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%)$5,335.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,296.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$427.25
Prepaid interest, first (21 days)$1,717.67
Fees + prepaids$15,244.44
Your down payment is the seller’s equity. You take over the $459,304 balance, so the rest of the $533,500 price is paid at closing. A second mortgage can cover part of it. $89,440.76 is due at closing. Uses and sources reconcile at $548,744.44 each. Not a Closing Disclosure.