Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$92,653Cash toward the purchase price.
Closing costs + prepaids$15,021Not just lender fees.
Before credits & paid funds$107,674The complete starting cash picture.
Estimated remaining funds due at closing
$107,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,652.67
Your down payment$92,652.67
Closing costs + prepaids$15,021.09
Total buyer cash needed$107,673.77
Remaining funds due$107,673.77
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%)$5,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,436.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$696.00
Initial HOA (3 months)$7.50
Prepaid interest, first (9 days)$612.86
Fees + prepaids$15,021.09
Your down payment is the seller’s equity. You take over the $487,347 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $107,673.77 is due at closing. Uses and sources reconcile at $595,021.09 each. Not a Closing Disclosure.