Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$106,752Cash toward the purchase price.
Closing costs + prepaids$15,245Not just lender fees.
Before credits & paid funds$121,997The complete starting cash picture.
Estimated remaining funds due at closing
$121,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,751.64
Your down payment$106,751.64
Closing costs + prepaids$15,245.48
Total buyer cash needed$121,997.13
Remaining funds due$121,997.13
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,166.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$853.00
Initial HOA (3 months)$195.00
Prepaid interest, first (25 days)$1,163.24
Fees + prepaids$15,245.48
Your down payment is the seller’s equity. You take over the $433,248 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $121,997.13 is due at closing. Uses and sources reconcile at $555,245.48 each. Not a Closing Disclosure.