Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$83,711Cash toward the purchase price.
Closing costs + prepaids$14,455Not just lender fees.
Before credits & paid funds$98,166The complete starting cash picture.
Estimated remaining funds due at closing
$98,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,710.80
Your down payment$83,710.80
Closing costs + prepaids$14,454.80
Total buyer cash needed$98,165.60
Remaining funds due$98,165.60
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,131.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$612.00
Initial HOA (3 months)$348.00
Prepaid interest, first (10 days)$795.35
Fees + prepaids$14,454.80
Your down payment is the seller’s equity. You take over the $426,289 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $98,165.60 is due at closing. Uses and sources reconcile at $524,454.80 each. Not a Closing Disclosure.