Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$71,747Cash toward the purchase price.
Closing costs + prepaids$17,684Not just lender fees.
Before credits & paid funds$89,431The complete starting cash picture.
Estimated remaining funds due at closing
$89,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,746.74
Your down payment$71,746.74
Closing costs + prepaids$17,683.96
Total buyer cash needed$89,430.71
Remaining funds due$89,430.71
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,641.26
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$629.75
Initial HOA (3 months)$181.26
Prepaid interest, first (28 days)$2,763.70
Fees + prepaids$17,683.96
Your down payment is the seller’s equity. You take over the $528,252 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $89,430.71 is due at closing. Uses and sources reconcile at $617,682.96 each. Not a Closing Disclosure.