Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$94,242Cash toward the purchase price.
Closing costs + prepaids$14,356Not just lender fees.
Before credits & paid funds$108,599The complete starting cash picture.
Estimated remaining funds due at closing
$108,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,242.46
Your down payment$94,242.46
Closing costs + prepaids$14,356.20
Total buyer cash needed$108,598.67
Remaining funds due$108,598.67
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,278.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Prepaid interest, first (6 days)$450.91
Fees + prepaids$14,356.20
Your down payment is the seller’s equity. You take over the $455,658 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $108,598.67 is due at closing. Uses and sources reconcile at $564,256.20 each. Not a Closing Disclosure.