Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$101,974Cash toward the purchase price.
Closing costs + prepaids$14,126Not just lender fees.
Before credits & paid funds$116,099The complete starting cash picture.
Estimated remaining funds due at closing
$116,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,973.62
Your down payment$101,973.62
Closing costs + prepaids$14,125.54
Total buyer cash needed$116,099.17
Remaining funds due$116,099.17
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,165.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$642.00
Prepaid interest, first (6 days)$500.41
Fees + prepaids$14,125.54
Your down payment is the seller’s equity. You take over the $433,026 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $116,099.17 is due at closing. Uses and sources reconcile at $549,125.54 each. Not a Closing Disclosure.