Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$101,845Cash toward the purchase price.
Closing costs + prepaids$16,301Not just lender fees.
Before credits & paid funds$118,146The complete starting cash picture.
Estimated remaining funds due at closing
$118,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,844.63
Your down payment$101,844.63
Closing costs + prepaids$16,300.89
Total buyer cash needed$118,145.52
Remaining funds due$118,145.52
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,390.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$726.75
Initial HOA (3 months)$99.99
Prepaid interest, first (24 days)$1,816.87
Fees + prepaids$16,300.89
Your down payment is the seller’s equity. You take over the $478,055 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $118,145.52 is due at closing. Uses and sources reconcile at $596,200.89 each. Not a Closing Disclosure.