Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,100Cash toward the purchase price.
Closing costs + prepaids$16,904Not just lender fees.
Before credits & paid funds$109,004The complete starting cash picture.
Estimated remaining funds due at closing
$109,004No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,100.50
Your down payment$92,100.50
Closing costs + prepaids$16,903.50
Total buyer cash needed$109,004.00
Remaining funds due$109,004.00
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,534.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$833.00
Initial HOA (3 months)$28.74
Prepaid interest, first (28 days)$2,049.26
Fees + prepaids$16,903.50
Your down payment is the seller’s equity. You take over the $506,900 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $109,004.00 is due at closing. Uses and sources reconcile at $615,903.50 each. Not a Closing Disclosure.