Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$118,547Cash toward the purchase price.
Closing costs + prepaids$14,931Not just lender fees.
Before credits & paid funds$133,478The complete starting cash picture.
Estimated remaining funds due at closing
$133,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,546.96
Your down payment$118,546.96
Closing costs + prepaids$14,930.78
Total buyer cash needed$133,477.74
Remaining funds due$133,477.74
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,282.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$275.00
Prepaid interest, first (24 days)$1,155.51
Fees + prepaids$14,930.78
Your down payment is the seller’s equity. You take over the $456,453 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $133,477.74 is due at closing. Uses and sources reconcile at $589,930.78 each. Not a Closing Disclosure.