Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$79,898Cash toward the purchase price.
Closing costs + prepaids$17,580Not just lender fees.
Before credits & paid funds$97,477The complete starting cash picture.
Estimated remaining funds due at closing
$97,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,897.67
Your down payment$79,897.67
Closing costs + prepaids$17,579.52
Total buyer cash needed$97,477.19
Remaining funds due$97,477.19
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,575.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,487.50
Initial HOA (3 months)$930.00
Prepaid interest, first (24 days)$1,168.51
Fees + prepaids$17,579.52
Your down payment is the seller’s equity. You take over the $515,102 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $97,477.19 is due at closing. Uses and sources reconcile at $612,579.52 each. Not a Closing Disclosure.