Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$94,587Cash toward the purchase price.
Closing costs + prepaids$15,181Not just lender fees.
Before credits & paid funds$109,768The complete starting cash picture.
Estimated remaining funds due at closing
$109,768No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,586.80
Your down payment$94,586.80
Closing costs + prepaids$15,180.99
Total buyer cash needed$109,767.79
Remaining funds due$109,767.79
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%)$5,889.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,472.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$270.00
Prepaid interest, first (20 days)$1,080.93
Fees + prepaids$15,180.99
Your down payment is the seller’s equity. You take over the $494,412 balance, so the rest of the $588,999 price is paid at closing. A second mortgage can cover part of it. $109,767.79 is due at closing. Uses and sources reconcile at $604,179.99 each. Not a Closing Disclosure.