Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$115,159Cash toward the purchase price.
Closing costs + prepaids$16,370Not just lender fees.
Before credits & paid funds$131,528The complete starting cash picture.
Estimated remaining funds due at closing
$131,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,158.71
Your down payment$115,158.71
Closing costs + prepaids$16,369.55
Total buyer cash needed$131,528.26
Remaining funds due$131,528.26
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%)$5,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,374.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,475.00
Initial HOA (3 months)$96.00
Prepaid interest, first (28 days)$1,056.36
Fees + prepaids$16,369.55
Your down payment is the seller’s equity. You take over the $474,840 balance, so the rest of the $589,999 price is paid at closing. A second mortgage can cover part of it. $131,528.26 is due at closing. Uses and sources reconcile at $606,368.55 each. Not a Closing Disclosure.