Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$86,796Cash toward the purchase price.
Closing costs + prepaids$15,805Not just lender fees.
Before credits & paid funds$102,601The complete starting cash picture.
Estimated remaining funds due at closing
$102,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,795.66
Your down payment$86,795.66
Closing costs + prepaids$15,804.98
Total buyer cash needed$102,600.64
Remaining funds due$102,600.64
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,265.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$296.50
Initial HOA (3 months)$246.99
Prepaid interest, first (25 days)$2,128.97
Fees + prepaids$15,804.98
Your down payment is the seller’s equity. You take over the $453,104 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $102,600.64 is due at closing. Uses and sources reconcile at $555,704.98 each. Not a Closing Disclosure.