Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,275Cash toward the purchase price.
Closing costs + prepaids$15,771Not just lender fees.
Before credits & paid funds$96,046The complete starting cash picture.
Estimated remaining funds due at closing
$96,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,275.19
Your down payment$80,275.19
Closing costs + prepaids$15,770.73
Total buyer cash needed$96,045.92
Remaining funds due$96,045.92
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%)$5,125.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,161.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.25
Prepaid interest, first (30 days)$2,458.35
Fees + prepaids$15,770.73
Your down payment is the seller’s equity. You take over the $432,225 balance, so the rest of the $512,500 price is paid at closing. A second mortgage can cover part of it. $96,045.92 is due at closing. Uses and sources reconcile at $528,270.73 each. Not a Closing Disclosure.