Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$93,136Cash toward the purchase price.
Closing costs + prepaids$15,190Not just lender fees.
Before credits & paid funds$108,326The complete starting cash picture.
Estimated remaining funds due at closing
$108,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,135.68
Your down payment$93,135.68
Closing costs + prepaids$15,189.93
Total buyer cash needed$108,325.61
Remaining funds due$108,325.61
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%)$5,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,184.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,325.00
Prepaid interest, first (25 days)$912.63
Fees + prepaids$15,189.93
Your down payment is the seller’s equity. You take over the $436,863 balance, so the rest of the $529,999 price is paid at closing. A second mortgage can cover part of it. $108,325.61 is due at closing. Uses and sources reconcile at $545,188.93 each. Not a Closing Disclosure.