Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,576Cash toward the purchase price.
Closing costs + prepaids$15,455Not just lender fees.
Before credits & paid funds$102,031The complete starting cash picture.
Estimated remaining funds due at closing
$102,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,576.26
Your down payment$86,576.26
Closing costs + prepaids$15,454.58
Total buyer cash needed$102,030.84
Remaining funds due$102,030.84
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%)$5,178.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,156.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,257.50
Initial HOA (3 months)$519.99
Prepaid interest, first (23 days)$874.97
Fees + prepaids$15,454.58
Your down payment is the seller’s equity. You take over the $431,224 balance, so the rest of the $517,800 price is paid at closing. A second mortgage can cover part of it. $102,030.84 is due at closing. Uses and sources reconcile at $533,254.58 each. Not a Closing Disclosure.