Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,458Cash toward the purchase price.
Closing costs + prepaids$18,068Not just lender fees.
Before credits & paid funds$145,526The complete starting cash picture.
Estimated remaining funds due at closing
$145,526No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,457.83
Your down payment$127,457.83
Closing costs + prepaids$18,067.83
Total buyer cash needed$145,525.66
Remaining funds due$145,525.66
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%)$5,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,302.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,470.00
Initial HOA (3 months)$1,566.00
Prepaid interest, first (26 days)$1,381.12
Fees + prepaids$18,067.83
Your down payment is the seller’s equity. You take over the $460,542 balance, so the rest of the $588,000 price is paid at closing. A second mortgage can cover part of it. $145,525.66 is due at closing. Uses and sources reconcile at $606,067.83 each. Not a Closing Disclosure.