Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,341Cash toward the purchase price.
Closing costs + prepaids$18,495Not just lender fees.
Before credits & paid funds$145,836The complete starting cash picture.
Estimated remaining funds due at closing
$145,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,341.39
Your down payment$127,341.39
Closing costs + prepaids$18,494.66
Total buyer cash needed$145,836.05
Remaining funds due$145,836.05
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%)$5,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,851.25
Initial HOA (3 months)$450.00
Prepaid interest, first (26 days)$1,977.11
Fees + prepaids$18,494.66
Your down payment is the seller’s equity. You take over the $431,659 balance, so the rest of the $559,000 price is paid at closing. A second mortgage can cover part of it. $145,836.05 is due at closing. Uses and sources reconcile at $577,494.66 each. Not a Closing Disclosure.