Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$92,571Cash toward the purchase price.
Closing costs + prepaids$13,270Not just lender fees.
Before credits & paid funds$105,841The complete starting cash picture.
Estimated remaining funds due at closing
$105,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,570.73
Your down payment$92,570.73
Closing costs + prepaids$13,270.18
Total buyer cash needed$105,840.91
Remaining funds due$105,840.91
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,986.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$712.50
Initial HOA (3 months)$66.00
Prepaid interest, first (2 days)$138.03
Fees + prepaids$13,270.18
Your down payment is the seller’s equity. You take over the $397,329 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $105,840.91 is due at closing. Uses and sources reconcile at $503,170.18 each. Not a Closing Disclosure.