Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$89,795Cash toward the purchase price.
Closing costs + prepaids$17,460Not just lender fees.
Before credits & paid funds$107,255The complete starting cash picture.
Estimated remaining funds due at closing
$107,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,795.37
Your down payment$89,795.37
Closing costs + prepaids$17,459.66
Total buyer cash needed$107,255.03
Remaining funds due$107,255.03
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,546.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$776.25
Initial HOA (3 months)$696.00
Prepaid interest, first (21 days)$1,983.39
Fees + prepaids$17,459.66
Your down payment is the seller’s equity. You take over the $509,205 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $107,255.03 is due at closing. Uses and sources reconcile at $616,459.66 each. Not a Closing Disclosure.