Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$84,051Cash toward the purchase price.
Closing costs + prepaids$17,124Not just lender fees.
Before credits & paid funds$101,175The complete starting cash picture.
Estimated remaining funds due at closing
$101,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,050.82
Your down payment$84,050.82
Closing costs + prepaids$17,123.91
Total buyer cash needed$101,174.72
Remaining funds due$101,174.72
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,554.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$443.00
Initial HOA (3 months)$327.00
Prepaid interest, first (27 days)$2,381.16
Fees + prepaids$17,123.91
Your down payment is the seller’s equity. You take over the $510,949 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $101,174.72 is due at closing. Uses and sources reconcile at $612,123.91 each. Not a Closing Disclosure.