Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$94,650Cash toward the purchase price.
Closing costs + prepaids$15,309Not just lender fees.
Before credits & paid funds$109,959The complete starting cash picture.
Estimated remaining funds due at closing
$109,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,650.05
Your down payment$94,650.05
Closing costs + prepaids$15,308.89
Total buyer cash needed$109,958.95
Remaining funds due$109,958.95
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,151.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$494.50
Prepaid interest, first (26 days)$1,946.14
Fees + prepaids$15,308.89
Your down payment is the seller’s equity. You take over the $430,250 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $109,958.95 is due at closing. Uses and sources reconcile at $540,208.89 each. Not a Closing Disclosure.