Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$86,420Cash toward the purchase price.
Closing costs + prepaids$14,700Not just lender fees.
Before credits & paid funds$101,121The complete starting cash picture.
Estimated remaining funds due at closing
$101,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,420.26
Your down payment$86,420.26
Closing costs + prepaids$14,700.25
Total buyer cash needed$101,120.51
Remaining funds due$101,120.51
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,567.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.25
Prepaid interest, first (1 days)$71.61
Fees + prepaids$14,700.25
Your down payment is the seller’s equity. You take over the $513,480 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $101,120.51 is due at closing. Uses and sources reconcile at $614,600.25 each. Not a Closing Disclosure.