Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$88,501Cash toward the purchase price.
Closing costs + prepaids$16,657Not just lender fees.
Before credits & paid funds$105,158The complete starting cash picture.
Estimated remaining funds due at closing
$105,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,501.01
Your down payment$88,501.01
Closing costs + prepaids$16,657.19
Total buyer cash needed$105,158.19
Remaining funds due$105,158.19
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,407.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,402.50
Initial HOA (3 months)$231.00
Prepaid interest, first (22 days)$1,448.19
Fees + prepaids$16,657.19
Your down payment is the seller’s equity. You take over the $481,499 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $105,158.19 is due at closing. Uses and sources reconcile at $586,657.19 each. Not a Closing Disclosure.