Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$128,025Cash toward the purchase price.
Closing costs + prepaids$16,577Not just lender fees.
Before credits & paid funds$144,602The complete starting cash picture.
Estimated remaining funds due at closing
$144,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,025.07
Your down payment$128,025.07
Closing costs + prepaids$16,576.54
Total buyer cash needed$144,601.61
Remaining funds due$144,601.61
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,159.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,399.75
Prepaid interest, first (26 days)$1,950.42
Fees + prepaids$16,576.54
Your down payment is the seller’s equity. You take over the $431,875 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $144,601.61 is due at closing. Uses and sources reconcile at $576,476.54 each. Not a Closing Disclosure.