Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$111,527Cash toward the purchase price.
Closing costs + prepaids$16,063Not just lender fees.
Before credits & paid funds$127,590The complete starting cash picture.
Estimated remaining funds due at closing
$127,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,527.25
Your down payment$111,527.25
Closing costs + prepaids$16,062.95
Total buyer cash needed$127,590.20
Remaining funds due$127,590.20
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%)$2,417.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$697.00
Initial HOA (3 months)$348.00
Prepaid interest, first (31 days)$1,182.59
Fees + prepaids$16,062.95
Your down payment is the seller’s equity. You take over the $483,473 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $127,590.20 is due at closing. Uses and sources reconcile at $611,062.95 each. Not a Closing Disclosure.