Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,029Cash toward the purchase price.
Closing costs + prepaids$16,815Not just lender fees.
Before credits & paid funds$99,844The complete starting cash picture.
Estimated remaining funds due at closing
$99,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,029.29
Your down payment$83,029.29
Closing costs + prepaids$16,815.00
Total buyer cash needed$99,844.29
Remaining funds due$99,844.29
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%)$5,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,534.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$476.50
Prepaid interest, first (27 days)$2,437.15
Fees + prepaids$16,815.00
Your down payment is the seller’s equity. You take over the $506,871 balance, so the rest of the $589,900 price is paid at closing. A second mortgage can cover part of it. $99,844.29 is due at closing. Uses and sources reconcile at $606,715.00 each. Not a Closing Disclosure.