Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$61,043Cash toward the purchase price.
Closing costs + prepaids$16,111Not just lender fees.
Before credits & paid funds$77,154The complete starting cash picture.
Estimated remaining funds due at closing
$77,154No 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$16,111.19
Total buyer cash needed$77,154.26
Remaining funds due$77,154.26
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)$720.00
Initial HOA (3 months)$345.00
Prepaid interest, first (9 days)$884.91
Fees + prepaids$16,111.19
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. $77,154.26 is due at closing. Uses and sources reconcile at $616,011.19 each. Not a Closing Disclosure.