Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,265Cash toward the purchase price.
Closing costs + prepaids$16,738Not just lender fees.
Before credits & paid funds$99,003The complete starting cash picture.
Estimated remaining funds due at closing
$99,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,264.54
Your down payment$82,264.54
Closing costs + prepaids$16,738.18
Total buyer cash needed$99,002.72
Remaining funds due$99,002.72
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%)$5,365.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,271.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,818.50
Initial HOA (3 months)$221.01
Prepaid interest, first (25 days)$1,594.49
Fees + prepaids$16,738.18
Your down payment is the seller’s equity. You take over the $454,235 balance, so the rest of the $536,500 price is paid at closing. A second mortgage can cover part of it. $99,002.72 is due at closing. Uses and sources reconcile at $553,238.18 each. Not a Closing Disclosure.