Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$121,973Cash toward the purchase price.
Closing costs + prepaids$17,485Not just lender fees.
Before credits & paid funds$139,458The complete starting cash picture.
Estimated remaining funds due at closing
$139,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,972.69
Your down payment$121,972.69
Closing costs + prepaids$17,485.04
Total buyer cash needed$139,457.73
Remaining funds due$139,457.73
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,290.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,373.75
Initial HOA (3 months)$195.00
Prepaid interest, first (29 days)$2,358.15
Fees + prepaids$17,485.04
Your down payment is the seller’s equity. You take over the $458,027 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $139,457.73 is due at closing. Uses and sources reconcile at $597,485.04 each. Not a Closing Disclosure.