Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$80,357Cash toward the purchase price.
Closing costs + prepaids$15,725Not just lender fees.
Before credits & paid funds$96,082The complete starting cash picture.
Estimated remaining funds due at closing
$96,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,357.34
Your down payment$80,357.34
Closing costs + prepaids$15,724.89
Total buyer cash needed$96,082.23
Remaining funds due$96,082.23
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,173.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,076.50
Initial HOA (3 months)$171.00
Prepaid interest, first (30 days)$1,686.18
Fees + prepaids$15,724.89
Your down payment is the seller’s equity. You take over the $434,643 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $96,082.23 is due at closing. Uses and sources reconcile at $530,724.89 each. Not a Closing Disclosure.