Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$95,318Cash toward the purchase price.
Closing costs + prepaids$14,144Not just lender fees.
Before credits & paid funds$109,462The complete starting cash picture.
Estimated remaining funds due at closing
$109,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,317.78
Your down payment$95,317.78
Closing costs + prepaids$14,143.78
Total buyer cash needed$109,461.56
Remaining funds due$109,461.56
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%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,193.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$640.75
Initial HOA (3 months)$105.00
Prepaid interest, first (6 days)$396.62
Fees + prepaids$14,143.78
Your down payment is the seller’s equity. You take over the $438,682 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $109,461.56 is due at closing. Uses and sources reconcile at $548,143.78 each. Not a Closing Disclosure.