Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$103,731Cash toward the purchase price.
Closing costs + prepaids$14,602Not just lender fees.
Before credits & paid funds$118,333The complete starting cash picture.
Estimated remaining funds due at closing
$118,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,730.99
Your down payment$103,730.99
Closing costs + prepaids$14,602.22
Total buyer cash needed$118,333.21
Remaining funds due$118,333.21
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,131.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$636.00
Initial HOA (3 months)$112.50
Prepaid interest, first (12 days)$954.38
Fees + prepaids$14,602.22
Your down payment is the seller’s equity. You take over the $426,269 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $118,333.21 is due at closing. Uses and sources reconcile at $544,602.22 each. Not a Closing Disclosure.