Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$91,216Cash toward the purchase price.
Closing costs + prepaids$17,043Not just lender fees.
Before credits & paid funds$108,259The complete starting cash picture.
Estimated remaining funds due at closing
$108,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,216.13
Your down payment$91,216.13
Closing costs + prepaids$17,042.91
Total buyer cash needed$108,259.04
Remaining funds due$108,259.04
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%)$5,495.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,291.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,284.75
Initial HOA (3 months)$168.00
Prepaid interest, first (27 days)$2,335.74
Fees + prepaids$17,042.91
Your down payment is the seller’s equity. You take over the $458,284 balance, so the rest of the $549,500 price is paid at closing. A second mortgage can cover part of it. $108,259.04 is due at closing. Uses and sources reconcile at $566,542.91 each. Not a Closing Disclosure.