Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$94,836Cash toward the purchase price.
Closing costs + prepaids$15,099Not just lender fees.
Before credits & paid funds$109,935The complete starting cash picture.
Estimated remaining funds due at closing
$109,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,835.52
Your down payment$94,835.52
Closing costs + prepaids$15,099.10
Total buyer cash needed$109,934.62
Remaining funds due$109,934.62
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,425.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,054.50
Initial HOA (3 months)$276.00
Prepaid interest, first (2 days)$76.28
Fees + prepaids$15,099.10
Your down payment is the seller’s equity. You take over the $485,064 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $109,934.62 is due at closing. Uses and sources reconcile at $594,999.10 each. Not a Closing Disclosure.