Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,260Cash toward the purchase price.
Closing costs + prepaids$15,478Not just lender fees.
Before credits & paid funds$126,738The complete starting cash picture.
Estimated remaining funds due at closing
$126,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,259.82
Your down payment$111,259.82
Closing costs + prepaids$15,478.28
Total buyer cash needed$126,738.10
Remaining funds due$126,738.10
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,368.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$568.50
Initial HOA (3 months)$56.25
Prepaid interest, first (31 days)$1,166.83
Fees + prepaids$15,478.28
Your down payment is the seller’s equity. You take over the $473,740 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $126,738.10 is due at closing. Uses and sources reconcile at $600,478.28 each. Not a Closing Disclosure.