Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$121,251Cash toward the purchase price.
Closing costs + prepaids$14,300Not just lender fees.
Before credits & paid funds$135,551The complete starting cash picture.
Estimated remaining funds due at closing
$135,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,251.42
Your down payment$121,251.42
Closing costs + prepaids$14,300.04
Total buyer cash needed$135,551.45
Remaining funds due$135,551.45
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,893.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$649.75
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$913.56
Fees + prepaids$14,300.04
Your down payment is the seller’s equity. You take over the $378,748 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $135,551.45 is due at closing. Uses and sources reconcile at $514,299.04 each. Not a Closing Disclosure.