Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$117,181Cash toward the purchase price.
Closing costs + prepaids$17,183Not just lender fees.
Before credits & paid funds$134,364The complete starting cash picture.
Estimated remaining funds due at closing
$134,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,181.24
Your down payment$117,181.24
Closing costs + prepaids$17,182.53
Total buyer cash needed$134,363.77
Remaining funds due$134,363.77
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%)$5,645.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,236.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.00
Initial HOA (3 months)$114.00
Prepaid interest, first (25 days)$2,156.93
Fees + prepaids$17,182.53
Your down payment is the seller’s equity. You take over the $447,319 balance, so the rest of the $564,500 price is paid at closing. A second mortgage can cover part of it. $134,363.77 is due at closing. Uses and sources reconcile at $581,682.53 each. Not a Closing Disclosure.