Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$77,099Cash toward the purchase price.
Closing costs + prepaids$18,280Not just lender fees.
Before credits & paid funds$95,379The complete starting cash picture.
Estimated remaining funds due at closing
$95,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,099.37
Your down payment$77,099.37
Closing costs + prepaids$18,279.66
Total buyer cash needed$95,379.03
Remaining funds due$95,379.03
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,589.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,156.75
Initial HOA (3 months)$156.99
Prepaid interest, first (30 days)$2,958.42
Fees + prepaids$18,279.66
Your down payment is the seller’s equity. You take over the $517,901 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $95,379.03 is due at closing. Uses and sources reconcile at $613,279.66 each. Not a Closing Disclosure.