Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$80,587Cash toward the purchase price.
Closing costs + prepaids$15,191Not just lender fees.
Before credits & paid funds$95,777The complete starting cash picture.
Estimated remaining funds due at closing
$95,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,586.80
Your down payment$80,586.80
Closing costs + prepaids$15,190.52
Total buyer cash needed$95,777.32
Remaining funds due$95,777.32
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%)$5,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,472.06
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)$270.00
Prepaid interest, first (10 days)$540.47
Fees + prepaids$15,190.52
Your down payment is the seller’s equity. You take over the $494,412 balance, so the rest of the $574,999 price is paid at closing. A second mortgage can cover part of it. $95,777.32 is due at closing. Uses and sources reconcile at $590,189.52 each. Not a Closing Disclosure.