Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$119,179Cash toward the purchase price.
Closing costs + prepaids$14,655Not just lender fees.
Before credits & paid funds$133,835The complete starting cash picture.
Estimated remaining funds due at closing
$133,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,179.27
Your down payment$119,179.27
Closing costs + prepaids$14,655.40
Total buyer cash needed$133,834.68
Remaining funds due$133,834.68
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%)$5,069.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,938.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$767.00
Initial HOA (3 months)$249.00
Prepaid interest, first (22 days)$1,163.80
Fees + prepaids$14,655.40
Your down payment is the seller’s equity. You take over the $387,721 balance, so the rest of the $506,900 price is paid at closing. A second mortgage can cover part of it. $133,834.68 is due at closing. Uses and sources reconcile at $521,555.40 each. Not a Closing Disclosure.