Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$128,484Cash toward the purchase price.
Closing costs + prepaids$14,482Not just lender fees.
Before credits & paid funds$142,966The complete starting cash picture.
Estimated remaining funds due at closing
$142,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,484.11
Your down payment$128,484.11
Closing costs + prepaids$14,481.74
Total buyer cash needed$142,965.85
Remaining funds due$142,965.85
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,857.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,280.00
Prepaid interest, first (25 days)$877.66
Fees + prepaids$14,481.74
Your down payment is the seller’s equity. You take over the $371,416 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $142,965.85 is due at closing. Uses and sources reconcile at $514,381.74 each. Not a Closing Disclosure.