Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$91,296Cash toward the purchase price.
Closing costs + prepaids$15,190Not just lender fees.
Before credits & paid funds$106,486The complete starting cash picture.
Estimated remaining funds due at closing
$106,486No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,295.86
Your down payment$91,295.86
Closing costs + prepaids$15,189.90
Total buyer cash needed$106,485.76
Remaining funds due$106,485.76
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,343.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.75
Prepaid interest, first (30 days)$1,105.63
Fees + prepaids$15,189.90
Your down payment is the seller’s equity. You take over the $468,704 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $106,485.76 is due at closing. Uses and sources reconcile at $575,189.90 each. Not a Closing Disclosure.