Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$84,941Cash toward the purchase price.
Closing costs + prepaids$17,072Not just lender fees.
Before credits & paid funds$102,013The complete starting cash picture.
Estimated remaining funds due at closing
$102,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,940.56
Your down payment$84,940.56
Closing costs + prepaids$17,072.37
Total buyer cash needed$102,012.93
Remaining funds due$102,012.93
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%)$2,575.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (18 days)$1,529.09
Fees + prepaids$17,072.37
Your down payment is the seller’s equity. You take over the $515,058 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $102,012.93 is due at closing. Uses and sources reconcile at $617,071.37 each. Not a Closing Disclosure.