Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$85,439Cash toward the purchase price.
Closing costs + prepaids$15,651Not just lender fees.
Before credits & paid funds$101,090The complete starting cash picture.
Estimated remaining funds due at closing
$101,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,439.34
Your down payment$85,439.34
Closing costs + prepaids$15,650.51
Total buyer cash needed$101,089.84
Remaining funds due$101,089.84
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,072.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,333.00
Initial HOA (3 months)$255.00
Prepaid interest, first (22 days)$1,521.72
Fees + prepaids$15,650.51
Your down payment is the seller’s equity. You take over the $414,560 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $101,089.84 is due at closing. Uses and sources reconcile at $515,649.51 each. Not a Closing Disclosure.