Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$125,131Cash toward the purchase price.
Closing costs + prepaids$14,462Not just lender fees.
Before credits & paid funds$139,593The complete starting cash picture.
Estimated remaining funds due at closing
$139,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,130.96
Your down payment$125,130.96
Closing costs + prepaids$14,462.40
Total buyer cash needed$139,593.36
Remaining funds due$139,593.36
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%)$5,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,223.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$684.00
Initial HOA (3 months)$75.00
Prepaid interest, first (6 days)$312.56
Fees + prepaids$14,462.40
Your down payment is the seller’s equity. You take over the $444,769 balance, so the rest of the $569,900 price is paid at closing. A second mortgage can cover part of it. $139,593.36 is due at closing. Uses and sources reconcile at $584,362.40 each. Not a Closing Disclosure.