Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$103,488Cash toward the purchase price.
Closing costs + prepaids$15,206Not just lender fees.
Before credits & paid funds$118,695The complete starting cash picture.
Estimated remaining funds due at closing
$118,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,488.34
Your down payment$103,488.34
Closing costs + prepaids$15,206.46
Total buyer cash needed$118,694.80
Remaining funds due$118,694.80
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,182.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$546.50
Prepaid interest, first (27 days)$1,610.90
Fees + prepaids$15,206.46
Your down payment is the seller’s equity. You take over the $436,412 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $118,694.80 is due at closing. Uses and sources reconcile at $555,106.46 each. Not a Closing Disclosure.