Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$111,527Cash toward the purchase price.
Closing costs + prepaids$15,910Not just lender fees.
Before credits & paid funds$127,438The complete starting cash picture.
Estimated remaining funds due at closing
$127,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,527.25
Your down payment$111,527.25
Closing costs + prepaids$15,910.36
Total buyer cash needed$127,437.61
Remaining funds due$127,437.61
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%)$5,950.00
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 (27 days)$1,030.00
Fees + prepaids$15,910.36
Your down payment is the seller’s equity. You take over the $483,473 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $127,437.61 is due at closing. Uses and sources reconcile at $610,910.36 each. Not a Closing Disclosure.