Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,178Cash toward the purchase price.
Closing costs + prepaids$16,277Not just lender fees.
Before credits & paid funds$116,455The complete starting cash picture.
Estimated remaining funds due at closing
$116,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,178.41
Your down payment$100,178.41
Closing costs + prepaids$16,276.99
Total buyer cash needed$116,455.41
Remaining funds due$116,455.41
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%)$5,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,399.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,502.50
Prepaid interest, first (27 days)$1,107.40
Fees + prepaids$16,276.99
Your down payment is the seller’s equity. You take over the $479,821 balance, so the rest of the $579,999 price is paid at closing. A second mortgage can cover part of it. $116,455.41 is due at closing. Uses and sources reconcile at $596,275.99 each. Not a Closing Disclosure.