Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$87,951Cash toward the purchase price.
Closing costs + prepaids$13,731Not just lender fees.
Before credits & paid funds$101,682The complete starting cash picture.
Estimated remaining funds due at closing
$101,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,950.51
Your down payment$87,950.51
Closing costs + prepaids$13,731.04
Total buyer cash needed$101,681.55
Remaining funds due$101,681.55
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,039.25
Initial HOA (3 months)$39.99
Prepaid interest, first (2 days)$125.05
Fees + prepaids$13,731.04
Your down payment is the seller’s equity. You take over the $411,949 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $101,681.55 is due at closing. Uses and sources reconcile at $513,631.04 each. Not a Closing Disclosure.