Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$93,541Cash toward the purchase price.
Closing costs + prepaids$16,497Not just lender fees.
Before credits & paid funds$110,038The complete starting cash picture.
Estimated remaining funds due at closing
$110,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,540.98
Your down payment$93,540.98
Closing costs + prepaids$16,496.88
Total buyer cash needed$110,037.86
Remaining funds due$110,037.86
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,327.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$542.00
Prepaid interest, first (31 days)$2,569.59
Fees + prepaids$16,496.88
Your down payment is the seller’s equity. You take over the $465,459 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $110,037.86 is due at closing. Uses and sources reconcile at $575,496.88 each. Not a Closing Disclosure.