Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$84,332Cash toward the purchase price.
Closing costs + prepaids$17,496Not just lender fees.
Before credits & paid funds$101,828The complete starting cash picture.
Estimated remaining funds due at closing
$101,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,332.46
Your down payment$84,332.46
Closing costs + prepaids$17,495.80
Total buyer cash needed$101,828.26
Remaining funds due$101,828.26
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%)$2,573.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$834.50
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$2,449.96
Fees + prepaids$17,495.80
Your down payment is the seller’s equity. You take over the $514,668 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $101,828.26 is due at closing. Uses and sources reconcile at $616,495.80 each. Not a Closing Disclosure.