Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$66,142Cash toward the purchase price.
Closing costs + prepaids$16,480Not just lender fees.
Before credits & paid funds$82,623The complete starting cash picture.
Estimated remaining funds due at closing
$82,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,142.49
Your down payment$66,142.49
Closing costs + prepaids$16,480.02
Total buyer cash needed$82,622.51
Remaining funds due$82,622.51
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,668.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$609.25
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$1,359.98
Fees + prepaids$16,480.02
Your down payment is the seller’s equity. You take over the $533,758 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $82,622.51 is due at closing. Uses and sources reconcile at $616,380.02 each. Not a Closing Disclosure.