Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$108,889Cash toward the purchase price.
Closing costs + prepaids$13,815Not just lender fees.
Before credits & paid funds$122,704The complete starting cash picture.
Estimated remaining funds due at closing
$122,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,888.85
Your down payment$108,888.85
Closing costs + prepaids$13,814.72
Total buyer cash needed$122,703.57
Remaining funds due$122,703.57
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%)$2,055.56
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)$108.99
Prepaid interest, first (12 days)$358.17
Fees + prepaids$13,814.72
Your down payment is the seller’s equity. You take over the $411,111 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $122,703.57 is due at closing. Uses and sources reconcile at $533,814.72 each. Not a Closing Disclosure.