Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$85,917Cash toward the purchase price.
Closing costs + prepaids$14,017Not just lender fees.
Before credits & paid funds$99,934The complete starting cash picture.
Estimated remaining funds due at closing
$99,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,916.98
Your down payment$85,916.98
Closing costs + prepaids$14,017.50
Total buyer cash needed$99,934.47
Remaining funds due$99,934.47
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,215.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.75
Initial HOA (3 months)$126.00
Prepaid interest, first (6 days)$283.33
Fees + prepaids$14,017.50
Your down payment is the seller’s equity. You take over the $443,083 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $99,934.47 is due at closing. Uses and sources reconcile at $543,017.50 each. Not a Closing Disclosure.