Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$88,131Cash toward the purchase price.
Closing costs + prepaids$16,162Not just lender fees.
Before credits & paid funds$104,293The complete starting cash picture.
Estimated remaining funds due at closing
$104,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,130.66
Your down payment$88,130.66
Closing costs + prepaids$16,162.25
Total buyer cash needed$104,292.91
Remaining funds due$104,292.91
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%)$5,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,484.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$370.25
Prepaid interest, first (21 days)$1,989.66
Fees + prepaids$16,162.25
Your down payment is the seller’s equity. You take over the $496,869 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $104,292.91 is due at closing. Uses and sources reconcile at $601,162.25 each. Not a Closing Disclosure.