Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$123,347Cash toward the purchase price.
Closing costs + prepaids$16,712Not just lender fees.
Before credits & paid funds$140,059The complete starting cash picture.
Estimated remaining funds due at closing
$140,059No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,347.28
Your down payment$123,347.28
Closing costs + prepaids$16,712.20
Total buyer cash needed$140,059.48
Remaining funds due$140,059.48
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,082.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,349.75
Initial HOA (3 months)$783.00
Prepaid interest, first (28 days)$1,629.69
Fees + prepaids$16,712.20
Your down payment is the seller’s equity. You take over the $416,553 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $140,059.48 is due at closing. Uses and sources reconcile at $556,612.20 each. Not a Closing Disclosure.