Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$96,885Cash toward the purchase price.
Closing costs + prepaids$16,307Not just lender fees.
Before credits & paid funds$113,192The complete starting cash picture.
Estimated remaining funds due at closing
$113,192No 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$16,307.07
Total buyer cash needed$113,191.63
Remaining funds due$113,191.63
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 (31 days)$1,995.50
Fees + prepaids$16,307.07
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. $113,191.63 is due at closing. Uses and sources reconcile at $616,306.07 each. Not a Closing Disclosure.