Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,048Cash toward the purchase price.
Closing costs + prepaids$16,181Not just lender fees.
Before credits & paid funds$123,229The complete starting cash picture.
Estimated remaining funds due at closing
$123,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,048.03
Your down payment$107,048.03
Closing costs + prepaids$16,181.46
Total buyer cash needed$123,229.49
Remaining funds due$123,229.49
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,289.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,347.50
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$1,127.70
Fees + prepaids$16,181.46
Your down payment is the seller’s equity. You take over the $457,852 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $123,229.49 is due at closing. Uses and sources reconcile at $581,081.46 each. Not a Closing Disclosure.