Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,097Cash toward the purchase price.
Closing costs + prepaids$17,651Not just lender fees.
Before credits & paid funds$92,748The complete starting cash picture.
Estimated remaining funds due at closing
$92,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,097.14
Your down payment$75,097.14
Closing costs + prepaids$17,651.33
Total buyer cash needed$92,748.47
Remaining funds due$92,748.47
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%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,569.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$709.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$2,714.82
Fees + prepaids$17,651.33
Your down payment is the seller’s equity. You take over the $513,903 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $92,748.47 is due at closing. Uses and sources reconcile at $606,651.33 each. Not a Closing Disclosure.