Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$100,818Cash toward the purchase price.
Closing costs + prepaids$16,323Not just lender fees.
Before credits & paid funds$117,141The complete starting cash picture.
Estimated remaining funds due at closing
$117,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,817.78
Your down payment$100,817.78
Closing costs + prepaids$16,323.38
Total buyer cash needed$117,141.16
Remaining funds due$117,141.16
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%)$5,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,193.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,575.50
Initial HOA (3 months)$105.00
Prepaid interest, first (24 days)$1,586.47
Fees + prepaids$16,323.38
Your down payment is the seller’s equity. You take over the $438,682 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $117,141.16 is due at closing. Uses and sources reconcile at $555,823.38 each. Not a Closing Disclosure.