Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$99,242Cash toward the purchase price.
Closing costs + prepaids$14,417Not just lender fees.
Before credits & paid funds$113,659The complete starting cash picture.
Estimated remaining funds due at closing
$113,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,242.24
Your down payment$99,242.24
Closing costs + prepaids$14,416.75
Total buyer cash needed$113,658.98
Remaining funds due$113,658.98
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,103.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$580.50
Prepaid interest, first (18 days)$1,064.46
Fees + prepaids$14,416.75
Your down payment is the seller’s equity. You take over the $420,758 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $113,658.98 is due at closing. Uses and sources reconcile at $534,416.75 each. Not a Closing Disclosure.