Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$94,242Cash toward the purchase price.
Closing costs + prepaids$15,863Not just lender fees.
Before credits & paid funds$110,105The complete starting cash picture.
Estimated remaining funds due at closing
$110,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,242.46
Your down payment$94,242.46
Closing costs + prepaids$15,863.00
Total buyer cash needed$110,105.46
Remaining funds due$110,105.46
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,278.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$663.75
Prepaid interest, first (26 days)$1,953.96
Fees + prepaids$15,863.00
Your down payment is the seller’s equity. You take over the $455,658 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $110,105.46 is due at closing. Uses and sources reconcile at $565,763.00 each. Not a Closing Disclosure.