Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$105,372Cash toward the purchase price.
Closing costs + prepaids$14,958Not just lender fees.
Before credits & paid funds$120,330The complete starting cash picture.
Estimated remaining funds due at closing
$120,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,371.64
Your down payment$105,371.64
Closing costs + prepaids$14,958.36
Total buyer cash needed$120,330.00
Remaining funds due$120,330.00
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%)$5,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,272.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$164.25
Initial HOA (3 months)$60.00
Prepaid interest, first (22 days)$1,394.47
Fees + prepaids$14,958.36
Your down payment is the seller’s equity. You take over the $454,528 balance, so the rest of the $559,900 price is paid at closing. A second mortgage can cover part of it. $120,330.00 is due at closing. Uses and sources reconcile at $574,858.36 each. Not a Closing Disclosure.