Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$139,394Cash toward the purchase price.
Closing costs + prepaids$14,872Not just lender fees.
Before credits & paid funds$154,266The complete starting cash picture.
Estimated remaining funds due at closing
$154,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,393.90
Your down payment$139,393.90
Closing costs + prepaids$14,872.47
Total buyer cash needed$154,266.37
Remaining funds due$154,266.37
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,198.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$694.75
Initial HOA (3 months)$390.00
Prepaid interest, first (9 days)$331.69
Fees + prepaids$14,872.47
Your down payment is the seller’s equity. You take over the $439,606 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $154,266.37 is due at closing. Uses and sources reconcile at $593,872.47 each. Not a Closing Disclosure.