Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,532Cash toward the purchase price.
Closing costs + prepaids$15,535Not just lender fees.
Before credits & paid funds$112,067The complete starting cash picture.
Estimated remaining funds due at closing
$112,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,531.66
Your down payment$96,531.66
Closing costs + prepaids$15,535.45
Total buyer cash needed$112,067.11
Remaining funds due$112,067.11
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,317.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$835.50
Initial HOA (3 months)$216.00
Prepaid interest, first (28 days)$1,098.61
Fees + prepaids$15,535.45
Your down payment is the seller’s equity. You take over the $463,468 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $112,067.11 is due at closing. Uses and sources reconcile at $575,535.45 each. Not a Closing Disclosure.