Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$105,092Cash toward the purchase price.
Closing costs + prepaids$15,406Not just lender fees.
Before credits & paid funds$120,497The complete starting cash picture.
Estimated remaining funds due at closing
$120,497No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,091.72
Your down payment$105,091.72
Closing costs + prepaids$15,405.76
Total buyer cash needed$120,497.49
Remaining funds due$120,497.49
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,099.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$553.25
Prepaid interest, first (26 days)$2,036.47
Fees + prepaids$15,405.76
Your down payment is the seller’s equity. You take over the $419,808 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $120,497.49 is due at closing. Uses and sources reconcile at $540,305.76 each. Not a Closing Disclosure.