Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$87,258Cash toward the purchase price.
Closing costs + prepaids$16,146Not just lender fees.
Before credits & paid funds$103,404The complete starting cash picture.
Estimated remaining funds due at closing
$103,404No 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$16,146.24
Total buyer cash needed$103,404.29
Remaining funds due$103,404.29
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%)$5,999.99
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)$720.00
Initial HOA (3 months)$255.00
Prepaid interest, first (12 days)$1,139.55
Fees + prepaids$16,146.24
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. $103,404.29 is due at closing. Uses and sources reconcile at $616,145.24 each. Not a Closing Disclosure.