Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$124,933Cash toward the purchase price.
Closing costs + prepaids$15,885Not just lender fees.
Before credits & paid funds$140,818The complete starting cash picture.
Estimated remaining funds due at closing
$140,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,932.89
Your down payment$124,932.89
Closing costs + prepaids$15,884.69
Total buyer cash needed$140,817.58
Remaining funds due$140,817.58
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,275.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.50
Initial HOA (3 months)$261.00
Prepaid interest, first (23 days)$1,496.86
Fees + prepaids$15,884.69
Your down payment is the seller’s equity. You take over the $455,067 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $140,817.58 is due at closing. Uses and sources reconcile at $595,884.69 each. Not a Closing Disclosure.