Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,596Cash toward the purchase price.
Closing costs + prepaids$14,270Not just lender fees.
Before credits & paid funds$101,867The complete starting cash picture.
Estimated remaining funds due at closing
$101,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,596.49
Your down payment$87,596.49
Closing costs + prepaids$14,270.11
Total buyer cash needed$101,866.61
Remaining funds due$101,866.61
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%)$2,487.02
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 (1 days)$94.85
Fees + prepaids$14,270.11
Your down payment is the seller’s equity. You take over the $497,404 balance, so the rest of the $585,000 price is paid at closing. A second mortgage can cover part of it. $101,866.61 is due at closing. Uses and sources reconcile at $599,270.11 each. Not a Closing Disclosure.