Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$88,690Cash toward the purchase price.
Closing costs + prepaids$14,069Not just lender fees.
Before credits & paid funds$102,759The complete starting cash picture.
Estimated remaining funds due at closing
$102,759No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,689.66
Your down payment$88,689.66
Closing costs + prepaids$14,069.01
Total buyer cash needed$102,758.67
Remaining funds due$102,758.67
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%)$5,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,101.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$610.75
Prepaid interest, first (12 days)$798.70
Fees + prepaids$14,069.01
Your down payment is the seller’s equity. You take over the $420,310 balance, so the rest of the $509,000 price is paid at closing. A second mortgage can cover part of it. $102,758.67 is due at closing. Uses and sources reconcile at $523,069.01 each. Not a Closing Disclosure.