Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$124,247Cash toward the purchase price.
Closing costs + prepaids$14,522Not just lender fees.
Before credits & paid funds$138,769The complete starting cash picture.
Estimated remaining funds due at closing
$138,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,247.07
Your down payment$124,247.07
Closing costs + prepaids$14,521.62
Total buyer cash needed$138,768.69
Remaining funds due$138,768.69
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%)$2,278.76
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 (2 days)$130.36
Fees + prepaids$14,521.62
Your down payment is the seller’s equity. You take over the $455,753 balance, so the rest of the $580,000 price is paid at closing. A second mortgage can cover part of it. $138,768.69 is due at closing. Uses and sources reconcile at $594,521.62 each. Not a Closing Disclosure.