Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$84,641Cash toward the purchase price.
Closing costs + prepaids$15,301Not just lender fees.
Before credits & paid funds$99,942The complete starting cash picture.
Estimated remaining funds due at closing
$99,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,641.22
Your down payment$84,641.22
Closing costs + prepaids$15,300.92
Total buyer cash needed$99,942.14
Remaining funds due$99,942.14
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%)$5,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,576.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$708.50
Initial HOA (3 months)$474.00
Prepaid interest, first (1 days)$73.70
Fees + prepaids$15,300.92
Your down payment is the seller’s equity. You take over the $515,354 balance, so the rest of the $599,995 price is paid at closing. A second mortgage can cover part of it. $99,942.14 is due at closing. Uses and sources reconcile at $615,295.92 each. Not a Closing Disclosure.