Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,204Cash toward the purchase price.
Closing costs + prepaids$16,383Not just lender fees.
Before credits & paid funds$70,588The complete starting cash picture.
Estimated remaining funds due at closing
$70,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,204.24
Your down payment$54,204.24
Closing costs + prepaids$16,383.27
Total buyer cash needed$70,587.51
Remaining funds due$70,587.51
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,728.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$435.75
Initial HOA (3 months)$68.76
Prepaid interest, first (27 days)$1,683.28
Fees + prepaids$16,383.27
Your down payment is the seller’s equity. You take over the $545,696 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $70,587.51 is due at closing. Uses and sources reconcile at $616,283.27 each. Not a Closing Disclosure.