Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$97,044Cash toward the purchase price.
Closing costs + prepaids$20,987Not just lender fees.
Before credits & paid funds$118,030The complete starting cash picture.
Estimated remaining funds due at closing
$118,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,043.67
Your down payment$97,043.67
Closing costs + prepaids$20,986.52
Total buyer cash needed$118,030.20
Remaining funds due$118,030.20
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,389.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$4,000.00
Initial HOA (3 months)$450.00
Prepaid interest, first (31 days)$2,930.24
Fees + prepaids$20,986.52
Your down payment is the seller’s equity. You take over the $477,856 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $118,030.20 is due at closing. Uses and sources reconcile at $595,886.52 each. Not a Closing Disclosure.