Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$95,760Cash toward the purchase price.
Closing costs + prepaids$16,868Not just lender fees.
Before credits & paid funds$112,627The complete starting cash picture.
Estimated remaining funds due at closing
$112,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,759.52
Your down payment$95,759.52
Closing costs + prepaids$16,867.84
Total buyer cash needed$112,627.36
Remaining funds due$112,627.36
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%)$2,396.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,389.75
Initial HOA (3 months)$78.75
Prepaid interest, first (22 days)$1,785.14
Fees + prepaids$16,867.84
Your down payment is the seller’s equity. You take over the $479,240 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $112,627.36 is due at closing. Uses and sources reconcile at $591,867.84 each. Not a Closing Disclosure.