Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$87,917Cash toward the purchase price.
Closing costs + prepaids$15,439Not just lender fees.
Before credits & paid funds$103,356The complete starting cash picture.
Estimated remaining funds due at closing
$103,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,917.30
Your down payment$87,917.30
Closing costs + prepaids$15,439.05
Total buyer cash needed$103,356.35
Remaining funds due$103,356.35
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,426.25
Initial HOA (3 months)$423.99
Prepaid interest, first (24 days)$1,061.90
Fees + prepaids$15,439.05
Your down payment is the seller’s equity. You take over the $411,983 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $103,356.35 is due at closing. Uses and sources reconcile at $515,339.05 each. Not a Closing Disclosure.