Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$138,477Cash toward the purchase price.
Closing costs + prepaids$15,592Not just lender fees.
Before credits & paid funds$154,068The complete starting cash picture.
Estimated remaining funds due at closing
$154,068No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,476.57
Your down payment$138,476.57
Closing costs + prepaids$15,591.89
Total buyer cash needed$154,068.46
Remaining funds due$154,068.46
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%)$2,182.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$554.25
Prepaid interest, first (29 days)$1,637.02
Fees + prepaids$15,591.89
Your down payment is the seller’s equity. You take over the $436,523 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $154,068.46 is due at closing. Uses and sources reconcile at $590,591.89 each. Not a Closing Disclosure.