Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$124,933Cash toward the purchase price.
Closing costs + prepaids$16,080Not just lender fees.
Before credits & paid funds$141,013The complete starting cash picture.
Estimated remaining funds due at closing
$141,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,932.89
Your down payment$124,932.89
Closing costs + prepaids$16,079.94
Total buyer cash needed$141,012.82
Remaining funds due$141,012.82
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%)$2,275.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.50
Initial HOA (3 months)$261.00
Prepaid interest, first (26 days)$1,692.10
Fees + prepaids$16,079.94
Your down payment is the seller’s equity. You take over the $455,067 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $141,012.82 is due at closing. Uses and sources reconcile at $596,079.94 each. Not a Closing Disclosure.