Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$100,537Cash toward the purchase price.
Closing costs + prepaids$14,061Not just lender fees.
Before credits & paid funds$114,598The complete starting cash picture.
Estimated remaining funds due at closing
$114,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,536.61
Your down payment$100,536.61
Closing costs + prepaids$14,061.14
Total buyer cash needed$114,597.76
Remaining funds due$114,597.76
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,946.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$563.25
Initial HOA (3 months)$234.99
Prepaid interest, first (31 days)$949.09
Fees + prepaids$14,061.14
Your down payment is the seller’s equity. You take over the $389,363 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $114,597.76 is due at closing. Uses and sources reconcile at $503,961.14 each. Not a Closing Disclosure.