Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$80,575Cash toward the purchase price.
Closing costs + prepaids$17,260Not just lender fees.
Before credits & paid funds$97,835The complete starting cash picture.
Estimated remaining funds due at closing
$97,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,574.50
Your down payment$80,574.50
Closing costs + prepaids$17,260.48
Total buyer cash needed$97,834.98
Remaining funds due$97,834.98
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,522.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,922.00
Prepaid interest, first (26 days)$1,498.35
Fees + prepaids$17,260.48
Your down payment is the seller’s equity. You take over the $504,425 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $97,834.98 is due at closing. Uses and sources reconcile at $602,260.48 each. Not a Closing Disclosure.