Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$88,096Cash toward the purchase price.
Closing costs + prepaids$13,160Not just lender fees.
Before credits & paid funds$101,255The complete starting cash picture.
Estimated remaining funds due at closing
$101,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,095.82
Your down payment$88,095.82
Closing costs + prepaids$13,159.58
Total buyer cash needed$101,255.40
Remaining funds due$101,255.40
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,104.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$363.75
Prepaid interest, first (2 days)$133.31
Fees + prepaids$13,159.58
Your down payment is the seller’s equity. You take over the $420,904 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $101,255.40 is due at closing. Uses and sources reconcile at $522,159.58 each. Not a Closing Disclosure.