Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$80,084Cash toward the purchase price.
Closing costs + prepaids$16,495Not just lender fees.
Before credits & paid funds$96,579The complete starting cash picture.
Estimated remaining funds due at closing
$96,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,083.77
Your down payment$80,083.77
Closing costs + prepaids$16,495.40
Total buyer cash needed$96,579.18
Remaining funds due$96,579.18
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%)$5,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,589.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,332.00
Initial HOA (3 months)$36.00
Prepaid interest, first (1 days)$89.82
Fees + prepaids$16,495.40
Your down payment is the seller’s equity. You take over the $517,916 balance, so the rest of the $598,000 price is paid at closing. A second mortgage can cover part of it. $96,579.18 is due at closing. Uses and sources reconcile at $614,495.40 each. Not a Closing Disclosure.