Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$105,390Cash toward the purchase price.
Closing costs + prepaids$15,704Not just lender fees.
Before credits & paid funds$121,093The complete starting cash picture.
Estimated remaining funds due at closing
$121,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,389.55
Your down payment$105,389.55
Closing costs + prepaids$15,703.88
Total buyer cash needed$121,093.43
Remaining funds due$121,093.43
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%)$2,348.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$967.25
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$1,145.59
Fees + prepaids$15,703.88
Your down payment is the seller’s equity. You take over the $469,610 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $121,093.43 is due at closing. Uses and sources reconcile at $590,703.88 each. Not a Closing Disclosure.