Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$93,123Cash toward the purchase price.
Closing costs + prepaids$16,905Not just lender fees.
Before credits & paid funds$110,028The complete starting cash picture.
Estimated remaining funds due at closing
$110,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,122.87
Your down payment$93,122.87
Closing costs + prepaids$16,905.39
Total buyer cash needed$110,028.26
Remaining funds due$110,028.26
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%)$5,175.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,121.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,293.75
Initial HOA (3 months)$1,026.00
Prepaid interest, first (30 days)$1,820.75
Fees + prepaids$16,905.39
Your down payment is the seller’s equity. You take over the $424,377 balance, so the rest of the $517,500 price is paid at closing. A second mortgage can cover part of it. $110,028.26 is due at closing. Uses and sources reconcile at $534,405.39 each. Not a Closing Disclosure.