Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$81,104Cash toward the purchase price.
Closing costs + prepaids$16,890Not just lender fees.
Before credits & paid funds$97,994The complete starting cash picture.
Estimated remaining funds due at closing
$97,994No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,103.70
Your down payment$81,103.70
Closing costs + prepaids$16,889.81
Total buyer cash needed$97,993.50
Remaining funds due$97,993.50
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%)$2,589.48
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)$1,067.58
Fees + prepaids$16,889.81
Your down payment is the seller’s equity. You take over the $517,896 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $97,993.50 is due at closing. Uses and sources reconcile at $615,889.81 each. Not a Closing Disclosure.