Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$109,250Cash toward the purchase price.
Closing costs + prepaids$14,387Not just lender fees.
Before credits & paid funds$123,637The complete starting cash picture.
Estimated remaining funds due at closing
$123,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,249.75
Your down payment$109,249.75
Closing costs + prepaids$14,386.77
Total buyer cash needed$123,636.52
Remaining funds due$123,636.52
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,053.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$787.25
Prepaid interest, first (26 days)$877.77
Fees + prepaids$14,386.77
Your down payment is the seller’s equity. You take over the $410,750 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $123,636.52 is due at closing. Uses and sources reconcile at $534,386.77 each. Not a Closing Disclosure.