Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$79,666Cash toward the purchase price.
Closing costs + prepaids$19,469Not just lender fees.
Before credits & paid funds$99,134The complete starting cash picture.
Estimated remaining funds due at closing
$99,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,665.92
Your down payment$79,665.92
Closing costs + prepaids$19,468.54
Total buyer cash needed$99,134.46
Remaining funds due$99,134.46
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,601.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,499.75
Initial HOA (3 months)$1,185.00
Prepaid interest, first (29 days)$2,715.62
Fees + prepaids$19,468.54
Your down payment is the seller’s equity. You take over the $520,234 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $99,134.46 is due at closing. Uses and sources reconcile at $619,368.54 each. Not a Closing Disclosure.