Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$73,335Cash toward the purchase price.
Closing costs + prepaids$15,812Not just lender fees.
Before credits & paid funds$89,147The complete starting cash picture.
Estimated remaining funds due at closing
$89,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,335.48
Your down payment$73,335.48
Closing costs + prepaids$15,811.75
Total buyer cash needed$89,147.23
Remaining funds due$89,147.23
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%)$2,558.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,491.75
Prepaid interest, first (5 days)$443.68
Fees + prepaids$15,811.75
Your down payment is the seller’s equity. You take over the $511,665 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $89,147.23 is due at closing. Uses and sources reconcile at $600,811.75 each. Not a Closing Disclosure.