Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$103,144Cash toward the purchase price.
Closing costs + prepaids$14,539Not just lender fees.
Before credits & paid funds$117,683The complete starting cash picture.
Estimated remaining funds due at closing
$117,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,144.04
Your down payment$103,144.04
Closing costs + prepaids$14,538.68
Total buyer cash needed$117,682.73
Remaining funds due$117,682.73
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%)$2,183.78
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)$300.00
Prepaid interest, first (12 days)$539.90
Fees + prepaids$14,538.68
Your down payment is the seller’s equity. You take over the $436,756 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $117,682.73 is due at closing. Uses and sources reconcile at $554,438.68 each. Not a Closing Disclosure.