Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,771Cash toward the purchase price.
Closing costs + prepaids$14,158Not just lender fees.
Before credits & paid funds$131,929The complete starting cash picture.
Estimated remaining funds due at closing
$131,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,770.81
Your down payment$117,770.81
Closing costs + prepaids$14,157.80
Total buyer cash needed$131,928.61
Remaining funds due$131,928.61
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%)$5,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,011.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$48.50
Initial HOA (3 months)$141.00
Prepaid interest, first (24 days)$1,289.31
Fees + prepaids$14,157.80
Your down payment is the seller’s equity. You take over the $402,219 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $131,928.61 is due at closing. Uses and sources reconcile at $534,147.80 each. Not a Closing Disclosure.