Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$106,015Cash toward the purchase price.
Closing costs + prepaids$16,569Not just lender fees.
Before credits & paid funds$122,584The complete starting cash picture.
Estimated remaining funds due at closing
$122,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,015.09
Your down payment$106,015.09
Closing costs + prepaids$16,569.17
Total buyer cash needed$122,584.26
Remaining funds due$122,584.26
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%)$2,344.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$502.25
Prepaid interest, first (28 days)$2,503.99
Fees + prepaids$16,569.17
Your down payment is the seller’s equity. You take over the $468,985 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $122,584.26 is due at closing. Uses and sources reconcile at $591,569.17 each. Not a Closing Disclosure.