Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,115Cash toward the purchase price.
Closing costs + prepaids$15,431Not just lender fees.
Before credits & paid funds$122,546The complete starting cash picture.
Estimated remaining funds due at closing
$122,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,114.85
Your down payment$107,114.85
Closing costs + prepaids$15,431.46
Total buyer cash needed$122,546.31
Remaining funds due$122,546.31
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%)$4,999.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,964.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$436.00
Initial HOA (3 months)$204.00
Prepaid interest, first (31 days)$2,359.11
Fees + prepaids$15,431.46
Your down payment is the seller’s equity. You take over the $392,880 balance, so the rest of the $499,995 price is paid at closing. A second mortgage can cover part of it. $122,546.31 is due at closing. Uses and sources reconcile at $515,426.46 each. Not a Closing Disclosure.