Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$107,136Cash toward the purchase price.
Closing costs + prepaids$13,627Not just lender fees.
Before credits & paid funds$120,763The complete starting cash picture.
Estimated remaining funds due at closing
$120,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,136.27
Your down payment$107,136.27
Closing costs + prepaids$13,626.73
Total buyer cash needed$120,763.00
Remaining funds due$120,763.00
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,088.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$630.00
Prepaid interest, first (6 days)$190.91
Fees + prepaids$13,626.73
Your down payment is the seller’s equity. You take over the $417,764 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $120,763.00 is due at closing. Uses and sources reconcile at $538,526.73 each. Not a Closing Disclosure.