Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$106,465Cash toward the purchase price.
Closing costs + prepaids$14,656Not just lender fees.
Before credits & paid funds$121,121The complete starting cash picture.
Estimated remaining funds due at closing
$121,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,465.23
Your down payment$106,465.23
Closing costs + prepaids$14,655.64
Total buyer cash needed$121,120.88
Remaining funds due$121,120.88
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,217.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$360.99
Prepaid interest, first (12 days)$450.48
Fees + prepaids$14,655.64
Your down payment is the seller’s equity. You take over the $443,435 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $121,120.88 is due at closing. Uses and sources reconcile at $564,555.64 each. Not a Closing Disclosure.