Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$94,559Cash toward the purchase price.
Closing costs + prepaids$13,681Not just lender fees.
Before credits & paid funds$108,240The complete starting cash picture.
Estimated remaining funds due at closing
$108,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,559.00
Your down payment$94,559.00
Closing costs + prepaids$13,681.27
Total buyer cash needed$108,240.27
Remaining funds due$108,240.27
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,977.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$588.00
Initial HOA (3 months)$555.00
Prepaid interest, first (6 days)$193.06
Fees + prepaids$13,681.27
Your down payment is the seller’s equity. You take over the $395,441 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $108,240.27 is due at closing. Uses and sources reconcile at $503,681.27 each. Not a Closing Disclosure.