Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$96,050Cash toward the purchase price.
Closing costs + prepaids$15,537Not just lender fees.
Before credits & paid funds$111,587The complete starting cash picture.
Estimated remaining funds due at closing
$111,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,050.28
Your down payment$96,050.28
Closing costs + prepaids$15,536.58
Total buyer cash needed$111,586.86
Remaining funds due$111,586.86
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,157.00
Prepaid interest, first (23 days)$1,893.34
Fees + prepaids$15,536.58
Your down payment is the seller’s equity. You take over the $403,850 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $111,586.86 is due at closing. Uses and sources reconcile at $515,436.58 each. Not a Closing Disclosure.