Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,941Cash toward the purchase price.
Closing costs + prepaids$15,701Not just lender fees.
Before credits & paid funds$124,642The complete starting cash picture.
Estimated remaining funds due at closing
$124,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,941.15
Your down payment$108,941.15
Closing costs + prepaids$15,700.56
Total buyer cash needed$124,641.71
Remaining funds due$124,641.71
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,405.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$899.25
Prepaid interest, first (26 days)$1,028.02
Fees + prepaids$15,700.56
Your down payment is the seller’s equity. You take over the $481,059 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $124,641.71 is due at closing. Uses and sources reconcile at $605,700.56 each. Not a Closing Disclosure.