Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$120,184Cash toward the purchase price.
Closing costs + prepaids$14,123Not just lender fees.
Before credits & paid funds$134,308The complete starting cash picture.
Estimated remaining funds due at closing
$134,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,184.44
Your down payment$120,184.44
Closing costs + prepaids$14,123.20
Total buyer cash needed$134,307.64
Remaining funds due$134,307.64
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,899.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,108.25
Prepaid interest, first (22 days)$647.87
Fees + prepaids$14,123.20
Your down payment is the seller’s equity. You take over the $379,816 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $134,307.64 is due at closing. Uses and sources reconcile at $514,123.20 each. Not a Closing Disclosure.