Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$90,420Cash toward the purchase price.
Closing costs + prepaids$16,037Not just lender fees.
Before credits & paid funds$106,457The complete starting cash picture.
Estimated remaining funds due at closing
$106,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,420.00
Your down payment$90,420.00
Closing costs + prepaids$16,036.74
Total buyer cash needed$106,456.74
Remaining funds due$106,456.74
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,172.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$587.50
Initial HOA (3 months)$759.00
Prepaid interest, first (31 days)$1,799.34
Fees + prepaids$16,036.74
Your down payment is the seller’s equity. You take over the $434,580 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $106,456.74 is due at closing. Uses and sources reconcile at $541,036.74 each. Not a Closing Disclosure.