Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$99,156Cash toward the purchase price.
Closing costs + prepaids$14,081Not just lender fees.
Before credits & paid funds$113,237The complete starting cash picture.
Estimated remaining funds due at closing
$113,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,155.75
Your down payment$99,155.75
Closing costs + prepaids$14,081.29
Total buyer cash needed$113,237.04
Remaining funds due$113,237.04
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,229.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$515.50
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$82.57
Fees + prepaids$14,081.29
Your down payment is the seller’s equity. You take over the $445,844 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $113,237.04 is due at closing. Uses and sources reconcile at $559,081.29 each. Not a Closing Disclosure.