Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,294Cash toward the purchase price.
Closing costs + prepaids$15,641Not just lender fees.
Before credits & paid funds$98,935The complete starting cash picture.
Estimated remaining funds due at closing
$98,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,294.35
Your down payment$83,294.35
Closing costs + prepaids$15,640.97
Total buyer cash needed$98,935.32
Remaining funds due$98,935.32
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,333.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,019.50
Initial HOA (3 months)$150.00
Prepaid interest, first (30 days)$1,169.96
Fees + prepaids$15,640.97
Your down payment is the seller’s equity. You take over the $466,705 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $98,935.32 is due at closing. Uses and sources reconcile at $565,639.97 each. Not a Closing Disclosure.