Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,372Cash toward the purchase price.
Closing costs + prepaids$18,813Not just lender fees.
Before credits & paid funds$111,185The complete starting cash picture.
Estimated remaining funds due at closing
$111,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,372.08
Your down payment$92,372.08
Closing costs + prepaids$18,812.69
Total buyer cash needed$111,184.78
Remaining funds due$111,184.78
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,413.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,904.50
Initial HOA (3 months)$48.24
Prepaid interest, first (28 days)$2,228.82
Fees + prepaids$18,812.69
Your down payment is the seller’s equity. You take over the $482,628 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $111,184.78 is due at closing. Uses and sources reconcile at $593,812.69 each. Not a Closing Disclosure.