Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$98,676Cash toward the purchase price.
Closing costs + prepaids$16,242Not just lender fees.
Before credits & paid funds$114,917The complete starting cash picture.
Estimated remaining funds due at closing
$114,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,675.74
Your down payment$98,675.74
Closing costs + prepaids$16,241.68
Total buyer cash needed$114,917.42
Remaining funds due$114,917.42
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%)$5,598.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,305.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,399.50
Initial HOA (3 months)$495.00
Prepaid interest, first (27 days)$975.56
Fees + prepaids$16,241.68
Your down payment is the seller’s equity. You take over the $461,124 balance, so the rest of the $559,800 price is paid at closing. A second mortgage can cover part of it. $114,917.42 is due at closing. Uses and sources reconcile at $576,041.68 each. Not a Closing Disclosure.