Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$116,371Cash toward the purchase price.
Closing costs + prepaids$14,549Not just lender fees.
Before credits & paid funds$130,920The complete starting cash picture.
Estimated remaining funds due at closing
$130,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,371.32
Your down payment$116,371.32
Closing costs + prepaids$14,548.86
Total buyer cash needed$130,920.18
Remaining funds due$130,920.18
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,117.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.00
Prepaid interest, first (12 days)$916.21
Fees + prepaids$14,548.86
Your down payment is the seller’s equity. You take over the $423,529 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $130,920.18 is due at closing. Uses and sources reconcile at $554,448.86 each. Not a Closing Disclosure.