Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$75,256Cash toward the purchase price.
Closing costs + prepaids$18,000Not just lender fees.
Before credits & paid funds$93,256The complete starting cash picture.
Estimated remaining funds due at closing
$93,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,256.33
Your down payment$75,256.33
Closing costs + prepaids$18,000.09
Total buyer cash needed$93,256.42
Remaining funds due$93,256.42
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,548.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,364.00
Prepaid interest, first (30 days)$2,769.37
Fees + prepaids$18,000.09
Your down payment is the seller’s equity. You take over the $509,744 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $93,256.42 is due at closing. Uses and sources reconcile at $603,000.09 each. Not a Closing Disclosure.