Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$94,209Cash toward the purchase price.
Closing costs + prepaids$15,591Not just lender fees.
Before credits & paid funds$109,799The complete starting cash picture.
Estimated remaining funds due at closing
$109,799No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,208.63
Your down payment$94,208.63
Closing costs + prepaids$15,590.77
Total buyer cash needed$109,799.40
Remaining funds due$109,799.40
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%)$2,278.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,374.75
Prepaid interest, first (26 days)$970.56
Fees + prepaids$15,590.77
Your down payment is the seller’s equity. You take over the $455,691 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $109,799.40 is due at closing. Uses and sources reconcile at $565,490.77 each. Not a Closing Disclosure.