Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$72,780Cash toward the purchase price.
Closing costs + prepaids$16,051Not just lender fees.
Before credits & paid funds$88,831The complete starting cash picture.
Estimated remaining funds due at closing
$88,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,780.43
Your down payment$72,780.43
Closing costs + prepaids$16,050.71
Total buyer cash needed$88,831.14
Remaining funds due$88,831.14
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%)$2,585.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,104.25
Prepaid interest, first (23 days)$993.86
Fees + prepaids$16,050.71
Your down payment is the seller’s equity. You take over the $517,120 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $88,831.14 is due at closing. Uses and sources reconcile at $605,950.71 each. Not a Closing Disclosure.