Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$102,516Cash toward the purchase price.
Closing costs + prepaids$16,475Not just lender fees.
Before credits & paid funds$118,991The complete starting cash picture.
Estimated remaining funds due at closing
$118,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,515.70
Your down payment$102,515.70
Closing costs + prepaids$16,475.16
Total buyer cash needed$118,990.86
Remaining funds due$118,990.86
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,362.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,266.75
Initial HOA (3 months)$384.00
Prepaid interest, first (31 days)$1,243.99
Fees + prepaids$16,475.16
Your down payment is the seller’s equity. You take over the $472,484 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $118,990.86 is due at closing. Uses and sources reconcile at $591,475.16 each. Not a Closing Disclosure.