Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$89,664Cash toward the purchase price.
Closing costs + prepaids$17,662Not just lender fees.
Before credits & paid funds$107,327The complete starting cash picture.
Estimated remaining funds due at closing
$107,327No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,664.23
Your down payment$89,664.23
Closing costs + prepaids$17,662.32
Total buyer cash needed$107,326.55
Remaining funds due$107,326.55
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,126.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,287.50
Initial HOA (3 months)$1,245.00
Prepaid interest, first (28 days)$2,385.14
Fees + prepaids$17,662.32
Your down payment is the seller’s equity. You take over the $425,336 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $107,326.55 is due at closing. Uses and sources reconcile at $532,662.32 each. Not a Closing Disclosure.