Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,924Cash toward the purchase price.
Closing costs + prepaids$13,060Not just lender fees.
Before credits & paid funds$114,984The complete starting cash picture.
Estimated remaining funds due at closing
$114,984No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,923.55
Your down payment$101,923.55
Closing costs + prepaids$13,060.39
Total buyer cash needed$114,983.94
Remaining funds due$114,983.94
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%)$2,040.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$388.50
Prepaid interest, first (2 days)$63.50
Fees + prepaids$13,060.39
Your down payment is the seller’s equity. You take over the $408,076 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $114,983.94 is due at closing. Uses and sources reconcile at $523,060.39 each. Not a Closing Disclosure.