Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$83,117Cash toward the purchase price.
Closing costs + prepaids$12,991Not just lender fees.
Before credits & paid funds$96,109The complete starting cash picture.
Estimated remaining funds due at closing
$96,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,117.18
Your down payment$83,117.18
Closing costs + prepaids$12,991.47
Total buyer cash needed$96,108.65
Remaining funds due$96,108.65
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,084.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$318.00
Prepaid interest, first (2 days)$121.07
Fees + prepaids$12,991.47
Your down payment is the seller’s equity. You take over the $416,882 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $96,108.65 is due at closing. Uses and sources reconcile at $512,990.47 each. Not a Closing Disclosure.