Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$86,633Cash toward the purchase price.
Closing costs + prepaids$15,946Not just lender fees.
Before credits & paid funds$102,579The complete starting cash picture.
Estimated remaining funds due at closing
$102,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,632.65
Your down payment$86,632.65
Closing costs + prepaids$15,946.30
Total buyer cash needed$102,578.94
Remaining funds due$102,578.94
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,216.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,110.25
Prepaid interest, first (24 days)$1,851.21
Fees + prepaids$15,946.30
Your down payment is the seller’s equity. You take over the $443,367 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $102,578.94 is due at closing. Uses and sources reconcile at $545,946.30 each. Not a Closing Disclosure.