Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,429Cash toward the purchase price.
Closing costs + prepaids$14,061Not just lender fees.
Before credits & paid funds$111,490The complete starting cash picture.
Estimated remaining funds due at closing
$111,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,428.73
Your down payment$97,428.73
Closing costs + prepaids$14,061.05
Total buyer cash needed$111,489.79
Remaining funds due$111,489.79
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%)$2,012.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$691.25
Prepaid interest, first (26 days)$888.96
Fees + prepaids$14,061.05
Your down payment is the seller’s equity. You take over the $402,570 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $111,489.79 is due at closing. Uses and sources reconcile at $514,060.05 each. Not a Closing Disclosure.