Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$61,043Cash toward the purchase price.
Closing costs + prepaids$18,128Not just lender fees.
Before credits & paid funds$79,171The complete starting cash picture.
Estimated remaining funds due at closing
$79,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,043.07
Your down payment$61,043.07
Closing costs + prepaids$18,128.05
Total buyer cash needed$79,171.11
Remaining funds due$79,171.11
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%)$2,694.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.75
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$3,048.01
Fees + prepaids$18,128.05
Your down payment is the seller’s equity. You take over the $538,857 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $79,171.11 is due at closing. Uses and sources reconcile at $618,028.05 each. Not a Closing Disclosure.