Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,252Cash toward the purchase price.
Closing costs + prepaids$15,998Not just lender fees.
Before credits & paid funds$101,250The complete starting cash picture.
Estimated remaining funds due at closing
$101,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,251.76
Your down payment$85,251.76
Closing costs + prepaids$15,997.80
Total buyer cash needed$101,249.56
Remaining funds due$101,249.56
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%)$2,573.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Initial HOA (3 months)$264.00
Prepaid interest, first (2 days)$192.08
Fees + prepaids$15,997.80
Your down payment is the seller’s equity. You take over the $514,747 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $101,249.56 is due at closing. Uses and sources reconcile at $615,996.80 each. Not a Closing Disclosure.