Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$126,741Cash toward the purchase price.
Closing costs + prepaids$15,402Not just lender fees.
Before credits & paid funds$142,143The complete starting cash picture.
Estimated remaining funds due at closing
$142,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,740.56
Your down payment$126,740.56
Closing costs + prepaids$15,402.15
Total buyer cash needed$142,142.72
Remaining funds due$142,142.72
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%)$5,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,345.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$462.50
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$1,016.85
Fees + prepaids$15,402.15
Your down payment is the seller’s equity. You take over the $469,159 balance, so the rest of the $595,900 price is paid at closing. A second mortgage can cover part of it. $142,142.72 is due at closing. Uses and sources reconcile at $611,302.15 each. Not a Closing Disclosure.