Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$84,393Cash toward the purchase price.
Closing costs + prepaids$16,838Not just lender fees.
Before credits & paid funds$101,231The complete starting cash picture.
Estimated remaining funds due at closing
$101,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,392.98
Your down payment$84,392.98
Closing costs + prepaids$16,838.40
Total buyer cash needed$101,231.38
Remaining funds due$101,231.38
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%)$6,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,578.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,394.25
Initial HOA (3 months)$168.00
Prepaid interest, first (28 days)$1,230.11
Fees + prepaids$16,838.40
Your down payment is the seller’s equity. You take over the $515,607 balance, so the rest of the $600,000 price is paid at closing. A second mortgage can cover part of it. $101,231.38 is due at closing. Uses and sources reconcile at $616,838.40 each. Not a Closing Disclosure.