Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,917Cash toward the purchase price.
Closing costs + prepaids$14,971Not just lender fees.
Before credits & paid funds$100,888The complete starting cash picture.
Estimated remaining funds due at closing
$100,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,916.98
Your down payment$85,916.98
Closing costs + prepaids$14,971.46
Total buyer cash needed$100,888.43
Remaining funds due$100,888.43
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,215.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$691.50
Initial HOA (3 months)$126.00
Prepaid interest, first (25 days)$1,180.54
Fees + prepaids$14,971.46
Your down payment is the seller’s equity. You take over the $443,083 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $100,888.43 is due at closing. Uses and sources reconcile at $543,971.46 each. Not a Closing Disclosure.