Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$81,189Cash toward the purchase price.
Closing costs + prepaids$18,123Not just lender fees.
Before credits & paid funds$99,312The complete starting cash picture.
Estimated remaining funds due at closing
$99,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,189.12
Your down payment$81,189.12
Closing costs + prepaids$18,122.54
Total buyer cash needed$99,311.67
Remaining funds due$99,311.67
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,589.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,497.50
Prepaid interest, first (28 days)$2,577.99
Fees + prepaids$18,122.54
Your down payment is the seller’s equity. You take over the $517,811 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $99,311.67 is due at closing. Uses and sources reconcile at $617,122.54 each. Not a Closing Disclosure.