Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,180Cash toward the purchase price.
Closing costs + prepaids$15,583Not just lender fees.
Before credits & paid funds$121,763The complete starting cash picture.
Estimated remaining funds due at closing
$121,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,179.61
Your down payment$106,179.61
Closing costs + prepaids$15,583.17
Total buyer cash needed$121,762.79
Remaining funds due$121,762.79
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,144.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$902.50
Prepaid interest, first (23 days)$1,718.57
Fees + prepaids$15,583.17
Your down payment is the seller’s equity. You take over the $428,820 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $121,762.79 is due at closing. Uses and sources reconcile at $550,583.17 each. Not a Closing Disclosure.