Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$105,069Cash toward the purchase price.
Closing costs + prepaids$16,131Not just lender fees.
Before credits & paid funds$121,200The complete starting cash picture.
Estimated remaining funds due at closing
$121,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,068.70
Your down payment$105,068.70
Closing costs + prepaids$16,131.10
Total buyer cash needed$121,199.80
Remaining funds due$121,199.80
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,199.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,697.25
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$1,046.19
Fees + prepaids$16,131.10
Your down payment is the seller’s equity. You take over the $439,931 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $121,199.80 is due at closing. Uses and sources reconcile at $561,131.10 each. Not a Closing Disclosure.