Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$84,714Cash toward the purchase price.
Closing costs + prepaids$15,973Not just lender fees.
Before credits & paid funds$100,687The complete starting cash picture.
Estimated remaining funds due at closing
$100,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,714.03
Your down payment$84,714.03
Closing costs + prepaids$15,972.50
Total buyer cash needed$100,686.54
Remaining funds due$100,686.54
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%)$5,598.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,375.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,399.75
Prepaid interest, first (28 days)$1,130.00
Fees + prepaids$15,972.50
Your down payment is the seller’s equity. You take over the $475,174 balance, so the rest of the $559,888 price is paid at closing. A second mortgage can cover part of it. $100,686.54 is due at closing. Uses and sources reconcile at $575,860.50 each. Not a Closing Disclosure.