Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$136,187Cash toward the purchase price.
Closing costs + prepaids$16,342Not just lender fees.
Before credits & paid funds$152,529The complete starting cash picture.
Estimated remaining funds due at closing
$152,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,186.54
Your down payment$136,186.54
Closing costs + prepaids$16,342.50
Total buyer cash needed$152,529.04
Remaining funds due$152,529.04
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%)$2,244.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,659.75
Prepaid interest, first (31 days)$1,120.68
Fees + prepaids$16,342.50
Your down payment is the seller’s equity. You take over the $448,813 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $152,529.04 is due at closing. Uses and sources reconcile at $601,342.50 each. Not a Closing Disclosure.