Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$95,174Cash toward the purchase price.
Closing costs + prepaids$15,406Not just lender fees.
Before credits & paid funds$110,580The complete starting cash picture.
Estimated remaining funds due at closing
$110,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,173.54
Your down payment$95,173.54
Closing costs + prepaids$15,406.10
Total buyer cash needed$110,579.63
Remaining funds due$110,579.63
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%)$5,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,144.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.50
Prepaid interest, first (31 days)$1,857.46
Fees + prepaids$15,406.10
Your down payment is the seller’s equity. You take over the $428,826 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $110,579.63 is due at closing. Uses and sources reconcile at $539,406.10 each. Not a Closing Disclosure.