Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$84,510Cash toward the purchase price.
Closing costs + prepaids$15,486Not just lender fees.
Before credits & paid funds$99,996The complete starting cash picture.
Estimated remaining funds due at closing
$99,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,509.51
Your down payment$84,509.51
Closing costs + prepaids$15,486.15
Total buyer cash needed$99,995.66
Remaining funds due$99,995.66
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%)$5,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,451.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.00
Initial HOA (3 months)$1,077.00
Prepaid interest, first (2 days)$157.19
Fees + prepaids$15,486.15
Your down payment is the seller’s equity. You take over the $490,390 balance, so the rest of the $574,900 price is paid at closing. A second mortgage can cover part of it. $99,995.66 is due at closing. Uses and sources reconcile at $590,386.15 each. Not a Closing Disclosure.