Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$100,558Cash toward the purchase price.
Closing costs + prepaids$14,609Not just lender fees.
Before credits & paid funds$115,167The complete starting cash picture.
Estimated remaining funds due at closing
$115,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,557.52
Your down payment$100,557.52
Closing costs + prepaids$14,609.48
Total buyer cash needed$115,167.00
Remaining funds due$115,167.00
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,297.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.00
Initial HOA (3 months)$300.00
Prepaid interest, first (7 days)$272.27
Fees + prepaids$14,609.48
Your down payment is the seller’s equity. You take over the $459,442 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $115,167.00 is due at closing. Uses and sources reconcile at $574,609.48 each. Not a Closing Disclosure.