Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$82,375Cash toward the purchase price.
Closing costs + prepaids$17,200Not just lender fees.
Before credits & paid funds$99,575The complete starting cash picture.
Estimated remaining funds due at closing
$99,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,374.88
Your down payment$82,374.88
Closing costs + prepaids$17,200.36
Total buyer cash needed$99,575.24
Remaining funds due$99,575.24
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%)$2,463.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,246.50
Initial HOA (3 months)$255.00
Prepaid interest, first (23 days)$2,017.74
Fees + prepaids$17,200.36
Your down payment is the seller’s equity. You take over the $492,625 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $99,575.24 is due at closing. Uses and sources reconcile at $592,200.36 each. Not a Closing Disclosure.