Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,028Cash toward the purchase price.
Closing costs + prepaids$15,662Not just lender fees.
Before credits & paid funds$98,689The complete starting cash picture.
Estimated remaining funds due at closing
$98,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,027.52
Your down payment$83,027.52
Closing costs + prepaids$15,661.53
Total buyer cash needed$98,689.05
Remaining funds due$98,689.05
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,184.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$482.50
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$2,056.17
Fees + prepaids$15,661.53
Your down payment is the seller’s equity. You take over the $436,972 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $98,689.05 is due at closing. Uses and sources reconcile at $535,661.53 each. Not a Closing Disclosure.