Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$105,622Cash toward the purchase price.
Closing costs + prepaids$16,805Not just lender fees.
Before credits & paid funds$122,427The complete starting cash picture.
Estimated remaining funds due at closing
$122,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,621.59
Your down payment$105,621.59
Closing costs + prepaids$16,805.03
Total buyer cash needed$122,426.62
Remaining funds due$122,426.62
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,471.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$312.00
Prepaid interest, first (29 days)$2,553.15
Fees + prepaids$16,805.03
Your down payment is the seller’s equity. You take over the $494,377 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $122,426.62 is due at closing. Uses and sources reconcile at $616,804.03 each. Not a Closing Disclosure.