Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,020Cash toward the purchase price.
Closing costs + prepaids$17,257Not just lender fees.
Before credits & paid funds$100,277The complete starting cash picture.
Estimated remaining funds due at closing
$100,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,020.24
Your down payment$83,020.24
Closing costs + prepaids$17,257.08
Total buyer cash needed$100,277.32
Remaining funds due$100,277.32
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%)$2,579.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$639.00
Prepaid interest, first (27 days)$2,580.18
Fees + prepaids$17,257.08
Your down payment is the seller’s equity. You take over the $515,980 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $100,277.32 is due at closing. Uses and sources reconcile at $616,257.08 each. Not a Closing Disclosure.