Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$128,093Cash toward the purchase price.
Closing costs + prepaids$15,842Not just lender fees.
Before credits & paid funds$143,935The complete starting cash picture.
Estimated remaining funds due at closing
$143,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,093.06
Your down payment$128,093.06
Closing costs + prepaids$15,841.76
Total buyer cash needed$143,934.82
Remaining funds due$143,934.82
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,254.53
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$260.25
Initial HOA (3 months)$210.00
Prepaid interest, first (22 days)$1,858.97
Fees + prepaids$15,841.76
Your down payment is the seller’s equity. You take over the $450,907 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $143,934.82 is due at closing. Uses and sources reconcile at $594,841.76 each. Not a Closing Disclosure.