Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$97,140Cash toward the purchase price.
Closing costs + prepaids$15,921Not just lender fees.
Before credits & paid funds$113,060The complete starting cash picture.
Estimated remaining funds due at closing
$113,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,139.95
Your down payment$97,139.95
Closing costs + prepaids$15,920.53
Total buyer cash needed$113,060.48
Remaining funds due$113,060.48
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,164.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,146.00
Initial HOA (3 months)$750.00
Prepaid interest, first (30 days)$1,092.23
Fees + prepaids$15,920.53
Your down payment is the seller’s equity. You take over the $432,860 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $113,060.48 is due at closing. Uses and sources reconcile at $545,920.53 each. Not a Closing Disclosure.