Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$125,131Cash toward the purchase price.
Closing costs + prepaids$16,441Not just lender fees.
Before credits & paid funds$141,572The complete starting cash picture.
Estimated remaining funds due at closing
$141,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,130.96
Your down payment$125,130.96
Closing costs + prepaids$16,440.69
Total buyer cash needed$141,571.65
Remaining funds due$141,571.65
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,223.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,516.25
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$1,458.60
Fees + prepaids$16,440.69
Your down payment is the seller’s equity. You take over the $444,769 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $141,571.65 is due at closing. Uses and sources reconcile at $586,340.69 each. Not a Closing Disclosure.