Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$81,514Cash toward the purchase price.
Closing costs + prepaids$14,206Not just lender fees.
Before credits & paid funds$95,720The complete starting cash picture.
Estimated remaining funds due at closing
$95,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,514.36
Your down payment$81,514.36
Closing costs + prepaids$14,205.70
Total buyer cash needed$95,720.06
Remaining funds due$95,720.06
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,142.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$612.00
Prepaid interest, first (12 days)$883.27
Fees + prepaids$14,205.70
Your down payment is the seller’s equity. You take over the $428,486 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $95,720.06 is due at closing. Uses and sources reconcile at $524,205.70 each. Not a Closing Disclosure.