Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$100,076Cash toward the purchase price.
Closing costs + prepaids$15,712Not just lender fees.
Before credits & paid funds$115,788The complete starting cash picture.
Estimated remaining funds due at closing
$115,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,075.99
Your down payment$100,075.99
Closing costs + prepaids$15,712.01
Total buyer cash needed$115,788.00
Remaining funds due$115,788.00
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,474.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$714.00
Initial HOA (3 months)$243.00
Prepaid interest, first (12 days)$862.39
Fees + prepaids$15,712.01
Your down payment is the seller’s equity. You take over the $494,924 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $115,788.00 is due at closing. Uses and sources reconcile at $610,712.01 each. Not a Closing Disclosure.