Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$101,929Cash toward the purchase price.
Closing costs + prepaids$15,993Not just lender fees.
Before credits & paid funds$117,922The complete starting cash picture.
Estimated remaining funds due at closing
$117,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,929.06
Your down payment$101,929.06
Closing costs + prepaids$15,992.83
Total buyer cash needed$117,921.90
Remaining funds due$117,921.90
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,185.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,801.00
Prepaid interest, first (23 days)$1,148.48
Fees + prepaids$15,992.83
Your down payment is the seller’s equity. You take over the $437,071 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $117,921.90 is due at closing. Uses and sources reconcile at $554,992.83 each. Not a Closing Disclosure.