Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$139,136Cash toward the purchase price.
Closing costs + prepaids$16,618Not just lender fees.
Before credits & paid funds$155,753The complete starting cash picture.
Estimated remaining funds due at closing
$155,753No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,135.71
Your down payment$139,135.71
Closing costs + prepaids$16,617.76
Total buyer cash needed$155,753.47
Remaining funds due$155,753.47
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,229.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$504.25
Initial HOA (3 months)$900.00
Prepaid interest, first (20 days)$1,666.19
Fees + prepaids$16,617.76
Your down payment is the seller’s equity. You take over the $445,864 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $155,753.47 is due at closing. Uses and sources reconcile at $601,617.76 each. Not a Closing Disclosure.