Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,371Cash toward the purchase price.
Closing costs + prepaids$16,042Not just lender fees.
Before credits & paid funds$132,413The complete starting cash picture.
Estimated remaining funds due at closing
$132,413No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,371.32
Your down payment$116,371.32
Closing costs + prepaids$16,042.03
Total buyer cash needed$132,413.35
Remaining funds due$132,413.35
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,117.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.50
Prepaid interest, first (31 days)$2,366.89
Fees + prepaids$16,042.03
Your down payment is the seller’s equity. You take over the $423,529 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $132,413.35 is due at closing. Uses and sources reconcile at $555,942.03 each. Not a Closing Disclosure.