Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$102,516Cash toward the purchase price.
Closing costs + prepaids$15,056Not just lender fees.
Before credits & paid funds$117,571The complete starting cash picture.
Estimated remaining funds due at closing
$117,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,515.70
Your down payment$102,515.70
Closing costs + prepaids$15,055.71
Total buyer cash needed$117,571.41
Remaining funds due$117,571.41
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%)$2,362.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$690.00
Initial HOA (3 months)$384.00
Prepaid interest, first (10 days)$401.29
Fees + prepaids$15,055.71
Your down payment is the seller’s equity. You take over the $472,484 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $117,571.41 is due at closing. Uses and sources reconcile at $590,055.71 each. Not a Closing Disclosure.