Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$88,690Cash toward the purchase price.
Closing costs + prepaids$14,621Not just lender fees.
Before credits & paid funds$103,310The complete starting cash picture.
Estimated remaining funds due at closing
$103,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,689.66
Your down payment$88,689.66
Closing costs + prepaids$14,620.71
Total buyer cash needed$103,310.37
Remaining funds due$103,310.37
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,101.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$363.75
Prepaid interest, first (24 days)$1,597.41
Fees + prepaids$14,620.71
Your down payment is the seller’s equity. You take over the $420,310 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $103,310.37 is due at closing. Uses and sources reconcile at $523,620.71 each. Not a Closing Disclosure.