Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$118,246Cash toward the purchase price.
Closing costs + prepaids$15,137Not just lender fees.
Before credits & paid funds$133,383The complete starting cash picture.
Estimated remaining funds due at closing
$133,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,246.22
Your down payment$118,246.22
Closing costs + prepaids$15,136.67
Total buyer cash needed$133,382.89
Remaining funds due$133,382.89
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%)$5,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,258.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$684.00
Initial HOA (3 months)$300.00
Prepaid interest, first (17 days)$725.90
Fees + prepaids$15,136.67
Your down payment is the seller’s equity. You take over the $451,754 balance, so the rest of the $570,000 price is paid at closing. A second mortgage can cover part of it. $133,382.89 is due at closing. Uses and sources reconcile at $585,136.67 each. Not a Closing Disclosure.