Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$109,585Cash toward the purchase price.
Closing costs + prepaids$15,242Not just lender fees.
Before credits & paid funds$124,827The complete starting cash picture.
Estimated remaining funds due at closing
$124,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,584.52
Your down payment$109,584.52
Closing costs + prepaids$15,242.00
Total buyer cash needed$124,826.51
Remaining funds due$124,826.51
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,327.08
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)$300.00
Prepaid interest, first (12 days)$706.92
Fees + prepaids$15,242.00
Your down payment is the seller’s equity. You take over the $465,415 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $124,826.51 is due at closing. Uses and sources reconcile at $590,242.00 each. Not a Closing Disclosure.