Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$103,444Cash toward the purchase price.
Closing costs + prepaids$14,478Not just lender fees.
Before credits & paid funds$117,921The complete starting cash picture.
Estimated remaining funds due at closing
$117,921No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,443.88
Your down payment$103,443.88
Closing costs + prepaids$14,477.50
Total buyer cash needed$117,921.38
Remaining funds due$117,921.38
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,082.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$624.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$847.72
Fees + prepaids$14,477.50
Your down payment is the seller’s equity. You take over the $416,556 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $117,921.38 is due at closing. Uses and sources reconcile at $534,477.50 each. Not a Closing Disclosure.