Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$93,661Cash toward the purchase price.
Closing costs + prepaids$16,321Not just lender fees.
Before credits & paid funds$109,982The complete starting cash picture.
Estimated remaining funds due at closing
$109,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,661.21
Your down payment$93,661.21
Closing costs + prepaids$16,320.85
Total buyer cash needed$109,982.06
Remaining funds due$109,982.06
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,206.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,313.75
Initial HOA (3 months)$11.25
Prepaid interest, first (26 days)$1,971.15
Fees + prepaids$16,320.85
Your down payment is the seller’s equity. You take over the $441,339 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $109,982.06 is due at closing. Uses and sources reconcile at $551,320.85 each. Not a Closing Disclosure.