Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$90,231Cash toward the purchase price.
Closing costs + prepaids$15,516Not just lender fees.
Before credits & paid funds$105,747The complete starting cash picture.
Estimated remaining funds due at closing
$105,747No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,231.29
Your down payment$90,231.29
Closing costs + prepaids$15,516.10
Total buyer cash needed$105,747.39
Remaining funds due$105,747.39
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,098.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$530.75
Prepaid interest, first (30 days)$2,318.50
Fees + prepaids$15,516.10
Your down payment is the seller’s equity. You take over the $419,769 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $105,747.39 is due at closing. Uses and sources reconcile at $525,516.10 each. Not a Closing Disclosure.