Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$99,517Cash toward the purchase price.
Closing costs + prepaids$15,064Not just lender fees.
Before credits & paid funds$114,581The complete starting cash picture.
Estimated remaining funds due at closing
$114,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,516.86
Your down payment$99,516.86
Closing costs + prepaids$15,064.32
Total buyer cash needed$114,581.18
Remaining funds due$114,581.18
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%)$5,330.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,167.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.25
Initial HOA (3 months)$405.00
Prepaid interest, first (17 days)$1,027.65
Fees + prepaids$15,064.32
Your down payment is the seller’s equity. You take over the $433,483 balance, so the rest of the $533,000 price is paid at closing. A second mortgage can cover part of it. $114,581.18 is due at closing. Uses and sources reconcile at $548,064.32 each. Not a Closing Disclosure.