Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$108,326Cash toward the purchase price.
Closing costs + prepaids$14,873Not just lender fees.
Before credits & paid funds$123,199The complete starting cash picture.
Estimated remaining funds due at closing
$123,199No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,326.13
Your down payment$108,326.13
Closing costs + prepaids$14,872.73
Total buyer cash needed$123,198.86
Remaining funds due$123,198.86
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%)$2,383.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$42.75
Prepaid interest, first (29 days)$1,128.61
Fees + prepaids$14,872.73
Your down payment is the seller’s equity. You take over the $476,674 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $123,198.86 is due at closing. Uses and sources reconcile at $599,872.73 each. Not a Closing Disclosure.