Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$93,811Cash toward the purchase price.
Closing costs + prepaids$14,158Not just lender fees.
Before credits & paid funds$107,969The complete starting cash picture.
Estimated remaining funds due at closing
$107,969No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,811.01
Your down payment$93,811.01
Closing costs + prepaids$14,158.06
Total buyer cash needed$107,969.07
Remaining funds due$107,969.07
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%)$5,889.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,475.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$270.00
Prepaid interest, first (1 days)$54.13
Fees + prepaids$14,158.06
Your down payment is the seller’s equity. You take over the $495,188 balance, so the rest of the $588,999 price is paid at closing. A second mortgage can cover part of it. $107,969.07 is due at closing. Uses and sources reconcile at $603,157.06 each. Not a Closing Disclosure.