Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$98,855Cash toward the purchase price.
Closing costs + prepaids$16,386Not just lender fees.
Before credits & paid funds$115,241The complete starting cash picture.
Estimated remaining funds due at closing
$115,241No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,854.82
Your down payment$98,854.82
Closing costs + prepaids$16,385.95
Total buyer cash needed$115,240.77
Remaining funds due$115,240.77
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%)$5,849.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,430.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,462.50
Prepaid interest, first (30 days)$1,174.74
Fees + prepaids$16,385.95
Your down payment is the seller’s equity. You take over the $486,144 balance, so the rest of the $584,999 price is paid at closing. A second mortgage can cover part of it. $115,240.77 is due at closing. Uses and sources reconcile at $601,384.95 each. Not a Closing Disclosure.