Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$92,254Cash toward the purchase price.
Closing costs + prepaids$15,638Not just lender fees.
Before credits & paid funds$107,892The complete starting cash picture.
Estimated remaining funds due at closing
$107,892No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,253.60
Your down payment$92,253.60
Closing costs + prepaids$15,638.39
Total buyer cash needed$107,891.99
Remaining funds due$107,891.99
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%)$4,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,023.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,664.75
Initial HOA (3 months)$75.00
Prepaid interest, first (22 days)$1,436.91
Fees + prepaids$15,638.39
Your down payment is the seller’s equity. You take over the $404,746 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $107,891.99 is due at closing. Uses and sources reconcile at $512,638.39 each. Not a Closing Disclosure.