Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$104,337Cash toward the purchase price.
Closing costs + prepaids$15,598Not just lender fees.
Before credits & paid funds$119,935The complete starting cash picture.
Estimated remaining funds due at closing
$119,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,336.73
Your down payment$104,336.73
Closing costs + prepaids$15,597.93
Total buyer cash needed$119,934.66
Remaining funds due$119,934.66
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%)$5,199.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,078.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.75
Initial HOA (3 months)$120.00
Prepaid interest, first (28 days)$2,110.88
Fees + prepaids$15,597.93
Your down payment is the seller’s equity. You take over the $415,662 balance, so the rest of the $519,999 price is paid at closing. A second mortgage can cover part of it. $119,934.66 is due at closing. Uses and sources reconcile at $535,596.93 each. Not a Closing Disclosure.