Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$81,211Cash toward the purchase price.
Closing costs + prepaids$14,091Not just lender fees.
Before credits & paid funds$95,302The complete starting cash picture.
Estimated remaining funds due at closing
$95,302No 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$14,090.79
Total buyer cash needed$95,301.97
Remaining funds due$95,301.97
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)$623.50
Initial HOA (3 months)$240.00
Prepaid interest, first (9 days)$372.85
Fees + prepaids$14,090.79
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. $95,301.97 is due at closing. Uses and sources reconcile at $533,590.79 each. Not a Closing Disclosure.