Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,781Cash toward the purchase price.
Closing costs + prepaids$14,970Not just lender fees.
Before credits & paid funds$112,751The complete starting cash picture.
Estimated remaining funds due at closing
$112,751No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,781.06
Your down payment$97,781.06
Closing costs + prepaids$14,969.89
Total buyer cash needed$112,750.94
Remaining funds due$112,750.94
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%)$5,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,251.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$807.00
Initial HOA (3 months)$33.75
Prepaid interest, first (26 days)$930.04
Fees + prepaids$14,969.89
Your down payment is the seller’s equity. You take over the $450,219 balance, so the rest of the $548,000 price is paid at closing. A second mortgage can cover part of it. $112,750.94 is due at closing. Uses and sources reconcile at $562,969.89 each. Not a Closing Disclosure.