Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$127,730Cash toward the purchase price.
Closing costs + prepaids$14,640Not just lender fees.
Before credits & paid funds$142,370The complete starting cash picture.
Estimated remaining funds due at closing
$142,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,729.80
Your down payment$127,729.80
Closing costs + prepaids$14,640.07
Total buyer cash needed$142,369.87
Remaining funds due$142,369.87
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%)$1,861.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,250.00
Prepaid interest, first (26 days)$1,060.72
Fees + prepaids$14,640.07
Your down payment is the seller’s equity. You take over the $372,270 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $142,369.87 is due at closing. Uses and sources reconcile at $514,640.07 each. Not a Closing Disclosure.