Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$69,016Cash toward the purchase price.
Closing costs + prepaids$16,733Not just lender fees.
Before credits & paid funds$85,749The complete starting cash picture.
Estimated remaining funds due at closing
$85,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,016.26
Your down payment$69,016.26
Closing costs + prepaids$16,732.82
Total buyer cash needed$85,749.09
Remaining funds due$85,749.09
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%)$2,604.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,474.75
Prepaid interest, first (23 days)$1,286.65
Fees + prepaids$16,732.82
Your down payment is the seller’s equity. You take over the $520,884 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $85,749.09 is due at closing. Uses and sources reconcile at $606,632.82 each. Not a Closing Disclosure.