Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$106,298Cash toward the purchase price.
Closing costs + prepaids$16,281Not just lender fees.
Before credits & paid funds$122,579The complete starting cash picture.
Estimated remaining funds due at closing
$122,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,297.72
Your down payment$106,297.72
Closing costs + prepaids$16,280.93
Total buyer cash needed$122,578.65
Remaining funds due$122,578.65
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,368.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$293.25
Initial HOA (3 months)$77.01
Prepaid interest, first (27 days)$2,274.16
Fees + prepaids$16,280.93
Your down payment is the seller’s equity. You take over the $473,702 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $122,578.65 is due at closing. Uses and sources reconcile at $596,280.93 each. Not a Closing Disclosure.