Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,129Cash toward the purchase price.
Closing costs + prepaids$14,948Not just lender fees.
Before credits & paid funds$116,077The complete starting cash picture.
Estimated remaining funds due at closing
$116,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,128.54
Your down payment$101,128.54
Closing costs + prepaids$14,948.41
Total buyer cash needed$116,076.95
Remaining funds due$116,076.95
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,189.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,801.00
Prepaid interest, first (2 days)$100.05
Fees + prepaids$14,948.41
Your down payment is the seller’s equity. You take over the $437,871 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $116,076.95 is due at closing. Uses and sources reconcile at $553,948.41 each. Not a Closing Disclosure.