Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$75,704Cash toward the purchase price.
Closing costs + prepaids$16,799Not just lender fees.
Before credits & paid funds$92,503The complete starting cash picture.
Estimated remaining funds due at closing
$92,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,703.79
Your down payment$75,703.79
Closing costs + prepaids$16,799.27
Total buyer cash needed$92,503.06
Remaining funds due$92,503.06
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,321.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,350.00
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$2,079.79
Fees + prepaids$16,799.27
Your down payment is the seller’s equity. You take over the $464,296 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $92,503.06 is due at closing. Uses and sources reconcile at $556,799.27 each. Not a Closing Disclosure.