Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$116,045Cash toward the purchase price.
Closing costs + prepaids$13,938Not just lender fees.
Before credits & paid funds$129,983The complete starting cash picture.
Estimated remaining funds due at closing
$129,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,044.84
Your down payment$116,044.84
Closing costs + prepaids$13,937.69
Total buyer cash needed$129,982.53
Remaining funds due$129,982.53
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$445.25
Prepaid interest, first (29 days)$954.67
Fees + prepaids$13,937.69
Your down payment is the seller’s equity. You take over the $393,955 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $129,982.53 is due at closing. Uses and sources reconcile at $523,937.69 each. Not a Closing Disclosure.