Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$89,795Cash toward the purchase price.
Closing costs + prepaids$18,026Not just lender fees.
Before credits & paid funds$107,822The complete starting cash picture.
Estimated remaining funds due at closing
$107,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,795.37
Your down payment$89,795.37
Closing costs + prepaids$18,026.34
Total buyer cash needed$107,821.71
Remaining funds due$107,821.71
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%)$2,546.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$776.25
Initial HOA (3 months)$696.00
Prepaid interest, first (27 days)$2,550.07
Fees + prepaids$18,026.34
Your down payment is the seller’s equity. You take over the $509,205 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $107,821.71 is due at closing. Uses and sources reconcile at $617,026.34 each. Not a Closing Disclosure.