Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$104,828Cash toward the purchase price.
Closing costs + prepaids$16,296Not just lender fees.
Before credits & paid funds$121,124The complete starting cash picture.
Estimated remaining funds due at closing
$121,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,828.07
Your down payment$104,828.07
Closing costs + prepaids$16,295.92
Total buyer cash needed$121,123.99
Remaining funds due$121,123.99
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,370.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$218.25
Prepaid interest, first (29 days)$2,448.81
Fees + prepaids$16,295.92
Your down payment is the seller’s equity. You take over the $474,172 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $121,123.99 is due at closing. Uses and sources reconcile at $595,295.92 each. Not a Closing Disclosure.