Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$99,238Cash toward the purchase price.
Closing costs + prepaids$14,845Not just lender fees.
Before credits & paid funds$114,083The complete starting cash picture.
Estimated remaining funds due at closing
$114,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,237.70
Your down payment$99,237.70
Closing costs + prepaids$14,844.83
Total buyer cash needed$114,082.53
Remaining funds due$114,082.53
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,053.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.00
Prepaid interest, first (27 days)$948.02
Fees + prepaids$14,844.83
Your down payment is the seller’s equity. You take over the $410,762 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $114,082.53 is due at closing. Uses and sources reconcile at $524,844.83 each. Not a Closing Disclosure.