Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$108,516Cash toward the purchase price.
Closing costs + prepaids$16,318Not just lender fees.
Before credits & paid funds$124,834The complete starting cash picture.
Estimated remaining funds due at closing
$124,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,516.34
Your down payment$108,516.34
Closing costs + prepaids$16,318.15
Total buyer cash needed$124,834.49
Remaining funds due$124,834.49
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,332.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$647.50
Initial HOA (3 months)$114.99
Prepaid interest, first (30 days)$2,005.24
Fees + prepaids$16,318.15
Your down payment is the seller’s equity. You take over the $466,484 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $124,834.49 is due at closing. Uses and sources reconcile at $591,318.15 each. Not a Closing Disclosure.