Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$78,776Cash toward the purchase price.
Closing costs + prepaids$14,144Not just lender fees.
Before credits & paid funds$92,920The complete starting cash picture.
Estimated remaining funds due at closing
$92,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,775.94
Your down payment$78,775.94
Closing costs + prepaids$14,144.36
Total buyer cash needed$92,920.30
Remaining funds due$92,920.30
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%)$5,439.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,325.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$827.25
Prepaid interest, first (1 days)$84.49
Fees + prepaids$14,144.36
Your down payment is the seller’s equity. You take over the $465,124 balance, so the rest of the $543,900 price is paid at closing. A second mortgage can cover part of it. $92,920.30 is due at closing. Uses and sources reconcile at $558,044.36 each. Not a Closing Disclosure.