Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,842Cash toward the purchase price.
Closing costs + prepaids$13,772Not just lender fees.
Before credits & paid funds$110,613The complete starting cash picture.
Estimated remaining funds due at closing
$110,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,841.58
Your down payment$96,841.58
Closing costs + prepaids$13,771.64
Total buyer cash needed$110,613.22
Remaining funds due$110,613.22
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,140.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$561.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$51.85
Fees + prepaids$13,771.64
Your down payment is the seller’s equity. You take over the $428,158 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $110,613.22 is due at closing. Uses and sources reconcile at $538,771.64 each. Not a Closing Disclosure.