Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$97,634Cash toward the purchase price.
Closing costs + prepaids$17,628Not just lender fees.
Before credits & paid funds$115,262The complete starting cash picture.
Estimated remaining funds due at closing
$115,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,634.07
Your down payment$97,634.07
Closing costs + prepaids$17,628.19
Total buyer cash needed$115,262.26
Remaining funds due$115,262.26
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,211.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$840.00
Prepaid interest, first (29 days)$2,358.36
Fees + prepaids$17,628.19
Your down payment is the seller’s equity. You take over the $442,366 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $115,262.26 is due at closing. Uses and sources reconcile at $557,628.19 each. Not a Closing Disclosure.