Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,029Cash toward the purchase price.
Closing costs + prepaids$16,130Not just lender fees.
Before credits & paid funds$105,159The complete starting cash picture.
Estimated remaining funds due at closing
$105,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,028.56
Your down payment$89,028.56
Closing costs + prepaids$16,130.31
Total buyer cash needed$105,158.87
Remaining funds due$105,158.87
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,354.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,669.25
Prepaid interest, first (27 days)$1,038.20
Fees + prepaids$16,130.31
Your down payment is the seller’s equity. You take over the $470,971 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $105,158.87 is due at closing. Uses and sources reconcile at $576,130.31 each. Not a Closing Disclosure.