Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$98,579Cash toward the purchase price.
Closing costs + prepaids$16,344Not just lender fees.
Before credits & paid funds$114,922The complete starting cash picture.
Estimated remaining funds due at closing
$114,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,578.68
Your down payment$98,578.68
Closing costs + prepaids$16,343.56
Total buyer cash needed$114,922.24
Remaining funds due$114,922.24
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%)$5,155.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,084.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,224.50
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$2,156.45
Fees + prepaids$16,343.56
Your down payment is the seller’s equity. You take over the $416,921 balance, so the rest of the $515,500 price is paid at closing. A second mortgage can cover part of it. $114,922.24 is due at closing. Uses and sources reconcile at $531,843.56 each. Not a Closing Disclosure.