Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$95,955Cash toward the purchase price.
Closing costs + prepaids$14,607Not just lender fees.
Before credits & paid funds$110,563The complete starting cash picture.
Estimated remaining funds due at closing
$110,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,955.13
Your down payment$95,955.13
Closing costs + prepaids$14,607.47
Total buyer cash needed$110,562.60
Remaining funds due$110,562.60
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,120.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$655.50
Initial HOA (3 months)$135.00
Prepaid interest, first (23 days)$1,028.74
Fees + prepaids$14,607.47
Your down payment is the seller’s equity. You take over the $424,045 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $110,562.60 is due at closing. Uses and sources reconcile at $534,607.47 each. Not a Closing Disclosure.