Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$112,624Cash toward the purchase price.
Closing costs + prepaids$13,840Not just lender fees.
Before credits & paid funds$126,464The complete starting cash picture.
Estimated remaining funds due at closing
$126,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,623.91
Your down payment$112,623.91
Closing costs + prepaids$13,839.60
Total buyer cash needed$126,463.51
Remaining funds due$126,463.51
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,136.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$756.50
Prepaid interest, first (1 days)$79.72
Fees + prepaids$13,839.60
Your down payment is the seller’s equity. You take over the $427,276 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $126,463.51 is due at closing. Uses and sources reconcile at $553,739.60 each. Not a Closing Disclosure.