Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$65,260Cash toward the purchase price.
Closing costs + prepaids$15,212Not just lender fees.
Before credits & paid funds$80,473The complete starting cash picture.
Estimated remaining funds due at closing
$80,473No 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$15,212.38
Total buyer cash needed$80,472.62
Remaining funds due$80,472.62
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)$711.50
Initial HOA (3 months)$395.01
Prepaid interest, first (21 days)$1,644.17
Fees + prepaids$15,212.38
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. $80,472.62 is due at closing. Uses and sources reconcile at $503,212.38 each. Not a Closing Disclosure.