Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$101,084Cash toward the purchase price.
Closing costs + prepaids$15,008Not just lender fees.
Before credits & paid funds$116,092The complete starting cash picture.
Estimated remaining funds due at closing
$116,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,083.58
Your down payment$101,083.58
Closing costs + prepaids$15,008.30
Total buyer cash needed$116,091.88
Remaining funds due$116,091.88
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%)$5,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,069.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$854.25
Prepaid interest, first (26 days)$1,467.97
Fees + prepaids$15,008.30
Your down payment is the seller’s equity. You take over the $413,816 balance, so the rest of the $514,900 price is paid at closing. A second mortgage can cover part of it. $116,091.88 is due at closing. Uses and sources reconcile at $529,908.30 each. Not a Closing Disclosure.