Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$96,885Cash toward the purchase price.
Closing costs + prepaids$15,985Not just lender fees.
Before credits & paid funds$112,870The complete starting cash picture.
Estimated remaining funds due at closing
$112,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,884.57
Your down payment$96,884.57
Closing costs + prepaids$15,985.21
Total buyer cash needed$112,869.78
Remaining funds due$112,869.78
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%)$2,515.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$289.00
Initial HOA (3 months)$39.00
Prepaid interest, first (26 days)$1,673.65
Fees + prepaids$15,985.21
Your down payment is the seller’s equity. You take over the $503,114 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $112,869.78 is due at closing. Uses and sources reconcile at $615,984.21 each. Not a Closing Disclosure.