Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$93,086Cash toward the purchase price.
Closing costs + prepaids$14,096Not just lender fees.
Before credits & paid funds$107,182The complete starting cash picture.
Estimated remaining funds due at closing
$107,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,086.50
Your down payment$93,086.50
Closing costs + prepaids$14,095.51
Total buyer cash needed$107,182.01
Remaining funds due$107,182.01
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,329.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$542.00
Prepaid interest, first (2 days)$165.94
Fees + prepaids$14,095.51
Your down payment is the seller’s equity. You take over the $465,914 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $107,182.01 is due at closing. Uses and sources reconcile at $573,095.51 each. Not a Closing Disclosure.