Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$115,409Cash toward the purchase price.
Closing costs + prepaids$15,163Not just lender fees.
Before credits & paid funds$130,572The complete starting cash picture.
Estimated remaining funds due at closing
$130,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,409.25
Your down payment$115,409.25
Closing costs + prepaids$15,162.85
Total buyer cash needed$130,572.11
Remaining funds due$130,572.11
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%)$5,379.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,112.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,390.25
Prepaid interest, first (25 days)$813.15
Fees + prepaids$15,162.85
Your down payment is the seller’s equity. You take over the $422,491 balance, so the rest of the $537,900 price is paid at closing. A second mortgage can cover part of it. $130,572.11 is due at closing. Uses and sources reconcile at $553,062.85 each. Not a Closing Disclosure.