Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$102,859Cash toward the purchase price.
Closing costs + prepaids$13,752Not just lender fees.
Before credits & paid funds$116,612The complete starting cash picture.
Estimated remaining funds due at closing
$116,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,859.13
Your down payment$102,859.13
Closing costs + prepaids$13,752.50
Total buyer cash needed$116,611.62
Remaining funds due$116,611.62
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,035.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$388.50
Prepaid interest, first (24 days)$760.29
Fees + prepaids$13,752.50
Your down payment is the seller’s equity. You take over the $407,141 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $116,611.62 is due at closing. Uses and sources reconcile at $523,752.50 each. Not a Closing Disclosure.