Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,300Cash toward the purchase price.
Closing costs + prepaids$16,444Not just lender fees.
Before credits & paid funds$105,744The complete starting cash picture.
Estimated remaining funds due at closing
$105,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,299.86
Your down payment$89,299.86
Closing costs + prepaids$16,444.20
Total buyer cash needed$105,744.06
Remaining funds due$105,744.06
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,203.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,325.00
Initial HOA (3 months)$120.00
Prepaid interest, first (27 days)$2,027.70
Fees + prepaids$16,444.20
Your down payment is the seller’s equity. You take over the $440,700 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $105,744.06 is due at closing. Uses and sources reconcile at $546,444.20 each. Not a Closing Disclosure.