Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,717Cash toward the purchase price.
Closing costs + prepaids$16,230Not just lender fees.
Before credits & paid funds$111,948The complete starting cash picture.
Estimated remaining funds due at closing
$111,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,717.38
Your down payment$95,717.38
Closing costs + prepaids$16,230.20
Total buyer cash needed$111,947.58
Remaining funds due$111,947.58
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,166.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$962.50
Prepaid interest, first (30 days)$2,343.29
Fees + prepaids$16,230.20
Your down payment is the seller’s equity. You take over the $433,283 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $111,947.58 is due at closing. Uses and sources reconcile at $545,230.20 each. Not a Closing Disclosure.