Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$74,196Cash toward the purchase price.
Closing costs + prepaids$15,735Not just lender fees.
Before credits & paid funds$89,932The complete starting cash picture.
Estimated remaining funds due at closing
$89,932No 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$15,735.20
Total buyer cash needed$89,931.52
Remaining funds due$89,931.52
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 (27 days)$2,208.43
Fees + prepaids$15,735.20
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. $89,931.52 is due at closing. Uses and sources reconcile at $549,235.20 each. Not a Closing Disclosure.