Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$80,699Cash toward the purchase price.
Closing costs + prepaids$16,908Not just lender fees.
Before credits & paid funds$97,607The complete starting cash picture.
Estimated remaining funds due at closing
$97,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,699.09
Your down payment$80,699.09
Closing costs + prepaids$16,908.00
Total buyer cash needed$97,607.09
Remaining funds due$97,607.09
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%)$2,591.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.75
Initial HOA (3 months)$1,056.00
Prepaid interest, first (12 days)$1,083.75
Fees + prepaids$16,908.00
Your down payment is the seller’s equity. You take over the $518,301 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $97,607.09 is due at closing. Uses and sources reconcile at $615,908.00 each. Not a Closing Disclosure.