Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$79,389Cash toward the purchase price.
Closing costs + prepaids$17,698Not just lender fees.
Before credits & paid funds$97,086The complete starting cash picture.
Estimated remaining funds due at closing
$97,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,388.72
Your down payment$79,388.72
Closing costs + prepaids$17,697.75
Total buyer cash needed$97,086.46
Remaining funds due$97,086.46
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%)$2,552.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$201.50
Initial HOA (3 months)$1,164.00
Prepaid interest, first (25 days)$2,412.69
Fees + prepaids$17,697.75
Your down payment is the seller’s equity. You take over the $510,511 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $97,086.46 is due at closing. Uses and sources reconcile at $607,597.75 each. Not a Closing Disclosure.