Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$102,050Cash toward the purchase price.
Closing costs + prepaids$14,789Not just lender fees.
Before credits & paid funds$116,839The complete starting cash picture.
Estimated remaining funds due at closing
$116,839No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,049.87
Your down payment$102,049.87
Closing costs + prepaids$14,788.91
Total buyer cash needed$116,838.78
Remaining funds due$116,838.78
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,189.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$892.00
Initial HOA (3 months)$41.49
Prepaid interest, first (24 days)$797.67
Fees + prepaids$14,788.91
Your down payment is the seller’s equity. You take over the $437,950 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $116,838.78 is due at closing. Uses and sources reconcile at $554,788.91 each. Not a Closing Disclosure.