Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$106,676Cash toward the purchase price.
Closing costs + prepaids$14,827Not just lender fees.
Before credits & paid funds$121,503The complete starting cash picture.
Estimated remaining funds due at closing
$121,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,676.16
Your down payment$106,676.16
Closing costs + prepaids$14,826.61
Total buyer cash needed$121,502.77
Remaining funds due$121,502.77
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,216.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.00
Initial HOA (3 months)$219.00
Prepaid interest, first (22 days)$825.49
Fees + prepaids$14,826.61
Your down payment is the seller’s equity. You take over the $443,224 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $121,502.77 is due at closing. Uses and sources reconcile at $564,726.61 each. Not a Closing Disclosure.