Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$126,241Cash toward the purchase price.
Closing costs + prepaids$15,396Not just lender fees.
Before credits & paid funds$141,637The complete starting cash picture.
Estimated remaining funds due at closing
$141,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,240.97
Your down payment$126,240.97
Closing costs + prepaids$15,395.92
Total buyer cash needed$141,636.89
Remaining funds due$141,636.89
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%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,313.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,502.00
Prepaid interest, first (4 days)$222.12
Fees + prepaids$15,395.92
Your down payment is the seller’s equity. You take over the $462,759 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $141,636.89 is due at closing. Uses and sources reconcile at $604,395.92 each. Not a Closing Disclosure.