Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$105,988Cash toward the purchase price.
Closing costs + prepaids$16,998Not just lender fees.
Before credits & paid funds$122,986The complete starting cash picture.
Estimated remaining funds due at closing
$122,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,987.82
Your down payment$105,987.82
Closing costs + prepaids$16,997.88
Total buyer cash needed$122,985.70
Remaining funds due$122,985.70
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,115.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,889.00
Prepaid interest, first (28 days)$2,235.82
Fees + prepaids$16,997.88
Your down payment is the seller’s equity. You take over the $423,012 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $122,985.70 is due at closing. Uses and sources reconcile at $545,997.88 each. Not a Closing Disclosure.