Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$119,003Cash toward the purchase price.
Closing costs + prepaids$14,136Not just lender fees.
Before credits & paid funds$133,139The complete starting cash picture.
Estimated remaining funds due at closing
$133,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,002.90
Your down payment$119,002.90
Closing costs + prepaids$14,135.65
Total buyer cash needed$133,138.55
Remaining funds due$133,138.55
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%)$4,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,894.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$671.25
Prepaid interest, first (27 days)$1,121.42
Fees + prepaids$14,135.65
Your down payment is the seller’s equity. You take over the $378,997 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $133,138.55 is due at closing. Uses and sources reconcile at $512,135.65 each. Not a Closing Disclosure.