Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$143,680Cash toward the purchase price.
Closing costs + prepaids$17,899Not just lender fees.
Before credits & paid funds$161,580The complete starting cash picture.
Estimated remaining funds due at closing
$161,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,680.43
Your down payment$143,680.43
Closing costs + prepaids$17,899.25
Total buyer cash needed$161,579.68
Remaining funds due$161,579.68
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,256.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,918.75
Initial HOA (3 months)$500.01
Prepaid interest, first (23 days)$1,805.90
Fees + prepaids$17,899.25
Your down payment is the seller’s equity. You take over the $451,320 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $161,579.68 is due at closing. Uses and sources reconcile at $612,899.25 each. Not a Closing Disclosure.