Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$120,241Cash toward the purchase price.
Closing costs + prepaids$16,695Not just lender fees.
Before credits & paid funds$136,937The complete starting cash picture.
Estimated remaining funds due at closing
$136,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,241.16
Your down payment$120,241.16
Closing costs + prepaids$16,695.49
Total buyer cash needed$136,936.66
Remaining funds due$136,936.66
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,248.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,118.00
Initial HOA (3 months)$135.99
Prepaid interest, first (27 days)$1,024.71
Fees + prepaids$16,695.49
Your down payment is the seller’s equity. You take over the $449,759 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $136,936.66 is due at closing. Uses and sources reconcile at $586,695.49 each. Not a Closing Disclosure.