Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$94,379Cash toward the purchase price.
Closing costs + prepaids$14,015Not just lender fees.
Before credits & paid funds$108,394The complete starting cash picture.
Estimated remaining funds due at closing
$108,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,378.69
Your down payment$94,378.69
Closing costs + prepaids$14,015.02
Total buyer cash needed$108,393.71
Remaining funds due$108,393.71
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,228.11
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Prepaid interest, first (7 days)$270.91
Fees + prepaids$14,015.02
Your down payment is the seller’s equity. You take over the $445,621 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $108,393.71 is due at closing. Uses and sources reconcile at $554,015.02 each. Not a Closing Disclosure.