Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$78,567Cash toward the purchase price.
Closing costs + prepaids$15,288Not just lender fees.
Before credits & paid funds$93,856The complete starting cash picture.
Estimated remaining funds due at closing
$93,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,567.26
Your down payment$78,567.26
Closing costs + prepaids$15,288.43
Total buyer cash needed$93,855.69
Remaining funds due$93,855.69
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%)$5,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,281.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$650.50
Initial HOA (3 months)$69.00
Prepaid interest, first (30 days)$1,470.27
Fees + prepaids$15,288.43
Your down payment is the seller’s equity. You take over the $456,333 balance, so the rest of the $534,900 price is paid at closing. A second mortgage can cover part of it. $93,855.69 is due at closing. Uses and sources reconcile at $550,188.43 each. Not a Closing Disclosure.