Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$112,826Cash toward the purchase price.
Closing costs + prepaids$13,998Not just lender fees.
Before credits & paid funds$126,824The complete starting cash picture.
Estimated remaining funds due at closing
$126,824No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,826.16
Your down payment$112,826.16
Closing costs + prepaids$13,998.31
Total buyer cash needed$126,824.47
Remaining funds due$126,824.47
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%)$4,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,044.00
Initial HOA (3 months)$87.00
Prepaid interest, first (26 days)$838.45
Fees + prepaids$13,998.31
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $474,999 price is paid at closing. A second mortgage can cover part of it. $126,824.47 is due at closing. Uses and sources reconcile at $488,997.31 each. Not a Closing Disclosure.