Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$115,299Cash toward the purchase price.
Closing costs + prepaids$16,923Not just lender fees.
Before credits & paid funds$132,223The complete starting cash picture.
Estimated remaining funds due at closing
$132,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,299.38
Your down payment$115,299.38
Closing costs + prepaids$16,923.16
Total buyer cash needed$132,222.54
Remaining funds due$132,222.54
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%)$5,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,268.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,167.25
Prepaid interest, first (31 days)$1,329.40
Fees + prepaids$16,923.16
Your down payment is the seller’s equity. You take over the $453,701 balance, so the rest of the $569,000 price is paid at closing. A second mortgage can cover part of it. $132,222.54 is due at closing. Uses and sources reconcile at $585,923.16 each. Not a Closing Disclosure.