Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$99,874Cash toward the purchase price.
Closing costs + prepaids$16,900Not just lender fees.
Before credits & paid funds$116,774The complete starting cash picture.
Estimated remaining funds due at closing
$116,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,873.74
Your down payment$99,873.74
Closing costs + prepaids$16,900.39
Total buyer cash needed$116,774.13
Remaining funds due$116,774.13
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,450.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,193.50
Prepaid interest, first (23 days)$1,889.76
Fees + prepaids$16,900.39
Your down payment is the seller’s equity. You take over the $490,026 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $116,774.13 is due at closing. Uses and sources reconcile at $606,800.39 each. Not a Closing Disclosure.