Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$101,000Cash toward the purchase price.
Closing costs + prepaids$15,608Not just lender fees.
Before credits & paid funds$116,608The complete starting cash picture.
Estimated remaining funds due at closing
$116,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,999.97
Your down payment$100,999.97
Closing costs + prepaids$15,607.81
Total buyer cash needed$116,607.78
Remaining funds due$116,607.78
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%)$5,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,120.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,292.75
Initial HOA (3 months)$234.00
Prepaid interest, first (29 days)$1,243.07
Fees + prepaids$15,607.81
Your down payment is the seller’s equity. You take over the $423,999 balance, so the rest of the $524,999 price is paid at closing. A second mortgage can cover part of it. $116,607.78 is due at closing. Uses and sources reconcile at $540,606.81 each. Not a Closing Disclosure.