Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$85,421Cash toward the purchase price.
Closing costs + prepaids$16,695Not just lender fees.
Before credits & paid funds$102,116The complete starting cash picture.
Estimated remaining funds due at closing
$102,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,421.27
Your down payment$85,421.27
Closing costs + prepaids$16,695.14
Total buyer cash needed$102,116.41
Remaining funds due$102,116.41
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%)$5,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,572.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$708.50
Initial HOA (3 months)$474.00
Prepaid interest, first (20 days)$1,471.82
Fees + prepaids$16,695.14
Your down payment is the seller’s equity. You take over the $514,574 balance, so the rest of the $599,995 price is paid at closing. A second mortgage can cover part of it. $102,116.41 is due at closing. Uses and sources reconcile at $616,690.14 each. Not a Closing Disclosure.