Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$101,527Cash toward the purchase price.
Closing costs + prepaids$15,543Not just lender fees.
Before credits & paid funds$117,071The complete starting cash picture.
Estimated remaining funds due at closing
$117,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,527.25
Your down payment$101,527.25
Closing costs + prepaids$15,543.32
Total buyer cash needed$117,070.58
Remaining funds due$117,070.58
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%)$2,417.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$697.00
Initial HOA (3 months)$348.00
Prepaid interest, first (20 days)$762.96
Fees + prepaids$15,543.32
Your down payment is the seller’s equity. You take over the $483,473 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $117,070.58 is due at closing. Uses and sources reconcile at $600,543.32 each. Not a Closing Disclosure.