Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$91,906Cash toward the purchase price.
Closing costs + prepaids$15,595Not just lender fees.
Before credits & paid funds$107,501The complete starting cash picture.
Estimated remaining funds due at closing
$107,501No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,906.37
Your down payment$91,906.37
Closing costs + prepaids$15,594.81
Total buyer cash needed$107,501.18
Remaining funds due$107,501.18
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,335.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$614.50
Prepaid interest, first (31 days)$1,586.84
Fees + prepaids$15,594.81
Your down payment is the seller’s equity. You take over the $467,094 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $107,501.18 is due at closing. Uses and sources reconcile at $574,594.81 each. Not a Closing Disclosure.