Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,029Cash toward the purchase price.
Closing costs + prepaids$14,063Not just lender fees.
Before credits & paid funds$115,092The complete starting cash picture.
Estimated remaining funds due at closing
$115,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,028.93
Your down payment$101,028.93
Closing costs + prepaids$14,062.97
Total buyer cash needed$115,091.91
Remaining funds due$115,091.91
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,194.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$892.00
Initial HOA (3 months)$41.49
Prepaid interest, first (2 days)$66.63
Fees + prepaids$14,062.97
Your down payment is the seller’s equity. You take over the $438,971 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $115,091.91 is due at closing. Uses and sources reconcile at $554,062.97 each. Not a Closing Disclosure.