Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$86,769Cash toward the purchase price.
Closing costs + prepaids$15,280Not just lender fees.
Before credits & paid funds$102,049The complete starting cash picture.
Estimated remaining funds due at closing
$102,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,768.53
Your down payment$86,768.53
Closing costs + prepaids$15,280.45
Total buyer cash needed$102,048.98
Remaining funds due$102,048.98
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%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,566.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$896.25
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$95.05
Fees + prepaids$15,280.45
Your down payment is the seller’s equity. You take over the $513,230 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $102,048.98 is due at closing. Uses and sources reconcile at $615,279.45 each. Not a Closing Disclosure.