Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$97,331Cash toward the purchase price.
Closing costs + prepaids$13,656Not just lender fees.
Before credits & paid funds$110,987The complete starting cash picture.
Estimated remaining funds due at closing
$110,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,331.10
Your down payment$97,331.10
Closing costs + prepaids$13,656.14
Total buyer cash needed$110,987.25
Remaining funds due$110,987.25
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%)$5,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,210.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$536.75
Prepaid interest, first (1 days)$45.55
Fees + prepaids$13,656.14
Your down payment is the seller’s equity. You take over the $442,169 balance, so the rest of the $539,500 price is paid at closing. A second mortgage can cover part of it. $110,987.25 is due at closing. Uses and sources reconcile at $553,156.14 each. Not a Closing Disclosure.