Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$79,222Cash toward the purchase price.
Closing costs + prepaids$16,083Not just lender fees.
Before credits & paid funds$95,305The complete starting cash picture.
Estimated remaining funds due at closing
$95,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,221.63
Your down payment$79,221.63
Closing costs + prepaids$16,083.38
Total buyer cash needed$95,305.01
Remaining funds due$95,305.01
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%)$5,439.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,323.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$827.25
Prepaid interest, first (24 days)$2,025.74
Fees + prepaids$16,083.38
Your down payment is the seller’s equity. You take over the $464,678 balance, so the rest of the $543,900 price is paid at closing. A second mortgage can cover part of it. $95,305.01 is due at closing. Uses and sources reconcile at $559,983.38 each. Not a Closing Disclosure.