Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$112,648Cash toward the purchase price.
Closing costs + prepaids$16,057Not just lender fees.
Before credits & paid funds$128,705The complete starting cash picture.
Estimated remaining funds due at closing
$128,705No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,648.46
Your down payment$112,648.46
Closing costs + prepaids$16,056.70
Total buyer cash needed$128,705.16
Remaining funds due$128,705.16
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,211.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,387.50
Initial HOA (3 months)$435.00
Prepaid interest, first (28 days)$1,004.44
Fees + prepaids$16,056.70
Your down payment is the seller’s equity. You take over the $442,352 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $128,705.16 is due at closing. Uses and sources reconcile at $571,056.70 each. Not a Closing Disclosure.