Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$89,280Cash toward the purchase price.
Closing costs + prepaids$15,668Not just lender fees.
Before credits & paid funds$104,948The complete starting cash picture.
Estimated remaining funds due at closing
$104,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,280.39
Your down payment$89,280.39
Closing costs + prepaids$15,667.93
Total buyer cash needed$104,948.32
Remaining funds due$104,948.32
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%)$2,548.60
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 (2 days)$189.09
Fees + prepaids$15,667.93
Your down payment is the seller’s equity. You take over the $509,720 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $104,948.32 is due at closing. Uses and sources reconcile at $614,667.93 each. Not a Closing Disclosure.