Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$112,375Cash toward the purchase price.
Closing costs + prepaids$17,979Not just lender fees.
Before credits & paid funds$130,354The complete starting cash picture.
Estimated remaining funds due at closing
$130,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,374.80
Your down payment$112,374.80
Closing costs + prepaids$17,979.40
Total buyer cash needed$130,354.19
Remaining funds due$130,354.19
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,263.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,412.50
Initial HOA (3 months)$1,284.00
Prepaid interest, first (24 days)$1,901.77
Fees + prepaids$17,979.40
Your down payment is the seller’s equity. You take over the $452,625 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $130,354.19 is due at closing. Uses and sources reconcile at $582,979.40 each. Not a Closing Disclosure.