Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$90,792Cash toward the purchase price.
Closing costs + prepaids$17,140Not just lender fees.
Before credits & paid funds$107,932The complete starting cash picture.
Estimated remaining funds due at closing
$107,932No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,792.47
Your down payment$90,792.47
Closing costs + prepaids$17,139.62
Total buyer cash needed$107,932.09
Remaining funds due$107,932.09
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%)$5,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,236.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,345.00
Initial HOA (3 months)$1,602.00
Prepaid interest, first (26 days)$1,108.58
Fees + prepaids$17,139.62
Your down payment is the seller’s equity. You take over the $447,208 balance, so the rest of the $538,000 price is paid at closing. A second mortgage can cover part of it. $107,932.09 is due at closing. Uses and sources reconcile at $555,139.62 each. Not a Closing Disclosure.