Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$83,569Cash toward the purchase price.
Closing costs + prepaids$15,168Not just lender fees.
Before credits & paid funds$98,737The complete starting cash picture.
Estimated remaining funds due at closing
$98,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,568.59
Your down payment$83,568.59
Closing costs + prepaids$15,168.44
Total buyer cash needed$98,737.03
Remaining funds due$98,737.03
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,507.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.00
Prepaid interest, first (12 days)$641.28
Fees + prepaids$15,168.44
Your down payment is the seller’s equity. You take over the $501,431 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $98,737.03 is due at closing. Uses and sources reconcile at $600,168.44 each. Not a Closing Disclosure.