Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$95,174Cash toward the purchase price.
Closing costs + prepaids$14,747Not just lender fees.
Before credits & paid funds$109,921The complete starting cash picture.
Estimated remaining funds due at closing
$109,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,173.54
Your down payment$95,173.54
Closing costs + prepaids$14,747.00
Total buyer cash needed$109,920.53
Remaining funds due$109,920.53
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%)$5,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,144.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.50
Prepaid interest, first (20 days)$1,198.36
Fees + prepaids$14,747.00
Your down payment is the seller’s equity. You take over the $428,826 balance, so the rest of the $524,000 price is paid at closing. A second mortgage can cover part of it. $109,920.53 is due at closing. Uses and sources reconcile at $538,747.00 each. Not a Closing Disclosure.