Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$118,513Cash toward the purchase price.
Closing costs + prepaids$15,703Not just lender fees.
Before credits & paid funds$134,216The complete starting cash picture.
Estimated remaining funds due at closing
$134,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,512.88
Your down payment$118,512.88
Closing costs + prepaids$15,702.71
Total buyer cash needed$134,215.59
Remaining funds due$134,215.59
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,281.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$87.51
Prepaid interest, first (25 days)$2,116.26
Fees + prepaids$15,702.71
Your down payment is the seller’s equity. You take over the $456,387 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $134,215.59 is due at closing. Uses and sources reconcile at $590,602.71 each. Not a Closing Disclosure.