Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$92,444Cash toward the purchase price.
Closing costs + prepaids$16,498Not just lender fees.
Before credits & paid funds$108,942The complete starting cash picture.
Estimated remaining funds due at closing
$108,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,444.20
Your down payment$92,444.20
Closing costs + prepaids$16,498.28
Total buyer cash needed$108,942.49
Remaining funds due$108,942.49
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,232.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,347.50
Initial HOA (3 months)$1,185.00
Prepaid interest, first (24 days)$875.00
Fees + prepaids$16,498.28
Your down payment is the seller’s equity. You take over the $446,556 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $108,942.49 is due at closing. Uses and sources reconcile at $555,498.28 each. Not a Closing Disclosure.