Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$87,258Cash toward the purchase price.
Closing costs + prepaids$17,367Not just lender fees.
Before credits & paid funds$104,625The complete starting cash picture.
Estimated remaining funds due at closing
$104,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,258.05
Your down payment$87,258.05
Closing costs + prepaids$17,367.08
Total buyer cash needed$104,625.13
Remaining funds due$104,625.13
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,563.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$896.25
Initial HOA (3 months)$255.00
Prepaid interest, first (23 days)$2,184.14
Fees + prepaids$17,367.08
Your down payment is the seller’s equity. You take over the $512,741 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $104,625.13 is due at closing. Uses and sources reconcile at $617,366.08 each. Not a Closing Disclosure.