Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$110,999Cash toward the purchase price.
Closing costs + prepaids$16,511Not just lender fees.
Before credits & paid funds$127,510The complete starting cash picture.
Estimated remaining funds due at closing
$127,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,999.22
Your down payment$110,999.22
Closing costs + prepaids$16,511.25
Total buyer cash needed$127,510.47
Remaining funds due$127,510.47
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%)$2,345.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$417.25
Initial HOA (3 months)$495.00
Prepaid interest, first (23 days)$1,985.99
Fees + prepaids$16,511.25
Your down payment is the seller’s equity. You take over the $469,001 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $127,510.47 is due at closing. Uses and sources reconcile at $596,511.25 each. Not a Closing Disclosure.