Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$79,118Cash toward the purchase price.
Closing costs + prepaids$16,521Not just lender fees.
Before credits & paid funds$95,638The complete starting cash picture.
Estimated remaining funds due at closing
$95,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,117.53
Your down payment$79,117.53
Closing costs + prepaids$16,520.76
Total buyer cash needed$95,638.29
Remaining funds due$95,638.29
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%)$2,478.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Initial HOA (3 months)$1,077.00
Prepaid interest, first (12 days)$1,057.85
Fees + prepaids$16,520.76
Your down payment is the seller’s equity. You take over the $495,782 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $95,638.29 is due at closing. Uses and sources reconcile at $591,420.76 each. Not a Closing Disclosure.