Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$102,494Cash toward the purchase price.
Closing costs + prepaids$14,831Not just lender fees.
Before credits & paid funds$117,325The complete starting cash picture.
Estimated remaining funds due at closing
$117,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,493.63
Your down payment$102,493.63
Closing costs + prepaids$14,831.27
Total buyer cash needed$117,324.90
Remaining funds due$117,324.90
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,162.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$668.75
Prepaid interest, first (15 days)$1,181.99
Fees + prepaids$14,831.27
Your down payment is the seller’s equity. You take over the $432,506 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $117,324.90 is due at closing. Uses and sources reconcile at $549,831.27 each. Not a Closing Disclosure.