Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$92,110Cash toward the purchase price.
Closing costs + prepaids$15,522Not just lender fees.
Before credits & paid funds$107,632The complete starting cash picture.
Estimated remaining funds due at closing
$107,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,110.08
Your down payment$92,110.08
Closing costs + prepaids$15,521.80
Total buyer cash needed$107,631.88
Remaining funds due$107,631.88
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,114.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$742.75
Initial HOA (3 months)$62.49
Prepaid interest, first (25 days)$1,984.11
Fees + prepaids$15,521.80
Your down payment is the seller’s equity. You take over the $422,890 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $107,631.88 is due at closing. Uses and sources reconcile at $530,521.80 each. Not a Closing Disclosure.