Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$138,477Cash toward the purchase price.
Closing costs + prepaids$16,196Not just lender fees.
Before credits & paid funds$154,672The complete starting cash picture.
Estimated remaining funds due at closing
$154,672No 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$16,195.69
Total buyer cash needed$154,672.26
Remaining funds due$154,672.26
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)$554.50
Initial HOA (3 months)$660.00
Prepaid interest, first (28 days)$1,580.57
Fees + prepaids$16,195.69
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. $154,672.26 is due at closing. Uses and sources reconcile at $591,195.69 each. Not a Closing Disclosure.