Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$78,140Cash toward the purchase price.
Closing costs + prepaids$14,936Not just lender fees.
Before credits & paid funds$93,076The complete starting cash picture.
Estimated remaining funds due at closing
$93,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,139.85
Your down payment$78,139.85
Closing costs + prepaids$14,936.28
Total buyer cash needed$93,076.13
Remaining funds due$93,076.13
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,309.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Initial HOA (3 months)$123.99
Prepaid interest, first (12 days)$986.99
Fees + prepaids$14,936.28
Your down payment is the seller’s equity. You take over the $461,860 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $93,076.13 is due at closing. Uses and sources reconcile at $554,936.28 each. Not a Closing Disclosure.