Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$116,603Cash toward the purchase price.
Closing costs + prepaids$17,160Not just lender fees.
Before credits & paid funds$133,764The complete starting cash picture.
Estimated remaining funds due at closing
$133,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,603.31
Your down payment$116,603.31
Closing costs + prepaids$17,160.33
Total buyer cash needed$133,763.65
Remaining funds due$133,763.65
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,391.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,776.75
Prepaid interest, first (23 days)$1,573.60
Fees + prepaids$17,160.33
Your down payment is the seller’s equity. You take over the $478,397 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $133,763.65 is due at closing. Uses and sources reconcile at $612,160.33 each. Not a Closing Disclosure.