Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$118,013Cash toward the purchase price.
Closing costs + prepaids$16,113Not just lender fees.
Before credits & paid funds$134,125The complete starting cash picture.
Estimated remaining funds due at closing
$134,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,012.81
Your down payment$118,012.81
Closing costs + prepaids$16,112.64
Total buyer cash needed$134,125.45
Remaining funds due$134,125.45
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%)$5,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,059.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,119.75
Initial HOA (3 months)$39.99
Prepaid interest, first (28 days)$2,126.47
Fees + prepaids$16,112.64
Your down payment is the seller’s equity. You take over the $411,887 balance, so the rest of the $529,900 price is paid at closing. A second mortgage can cover part of it. $134,125.45 is due at closing. Uses and sources reconcile at $546,012.64 each. Not a Closing Disclosure.