Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$81,211Cash toward the purchase price.
Closing costs + prepaids$14,818Not just lender fees.
Before credits & paid funds$96,029The complete starting cash picture.
Estimated remaining funds due at closing
$96,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,211.18
Your down payment$81,211.18
Closing costs + prepaids$14,818.05
Total buyer cash needed$96,029.23
Remaining funds due$96,029.23
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%)$5,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,191.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$646.50
Initial HOA (3 months)$240.00
Prepaid interest, first (26 days)$1,077.11
Fees + prepaids$14,818.05
Your down payment is the seller’s equity. You take over the $438,289 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $96,029.23 is due at closing. Uses and sources reconcile at $534,318.05 each. Not a Closing Disclosure.