Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$80,831Cash toward the purchase price.
Closing costs + prepaids$16,832Not just lender fees.
Before credits & paid funds$97,664The complete starting cash picture.
Estimated remaining funds due at closing
$97,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,831.31
Your down payment$80,831.31
Closing costs + prepaids$16,832.34
Total buyer cash needed$97,663.65
Remaining funds due$97,663.65
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,220.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$510.50
Initial HOA (3 months)$696.00
Prepaid interest, first (29 days)$2,688.50
Fees + prepaids$16,832.34
Your down payment is the seller’s equity. You take over the $444,069 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $97,663.65 is due at closing. Uses and sources reconcile at $541,732.34 each. Not a Closing Disclosure.