Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$109,404Cash toward the purchase price.
Closing costs + prepaids$14,126Not just lender fees.
Before credits & paid funds$123,530The complete starting cash picture.
Estimated remaining funds due at closing
$123,530No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,403.96
Your down payment$109,403.96
Closing costs + prepaids$14,125.91
Total buyer cash needed$123,529.87
Remaining funds due$123,529.87
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,027.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,313.25
Prepaid interest, first (5 days)$166.68
Fees + prepaids$14,125.91
Your down payment is the seller’s equity. You take over the $405,596 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $123,529.87 is due at closing. Uses and sources reconcile at $529,125.91 each. Not a Closing Disclosure.