Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$111,408Cash toward the purchase price.
Closing costs + prepaids$14,868Not just lender fees.
Before credits & paid funds$126,276The complete starting cash picture.
Estimated remaining funds due at closing
$126,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,407.90
Your down payment$111,407.90
Closing costs + prepaids$14,868.18
Total buyer cash needed$126,276.08
Remaining funds due$126,276.08
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,317.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Prepaid interest, first (14 days)$613.47
Fees + prepaids$14,868.18
Your down payment is the seller’s equity. You take over the $463,592 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $126,276.08 is due at closing. Uses and sources reconcile at $589,868.18 each. Not a Closing Disclosure.