Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$127,445Cash toward the purchase price.
Closing costs + prepaids$15,371Not just lender fees.
Before credits & paid funds$142,816The complete starting cash picture.
Estimated remaining funds due at closing
$142,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,444.96
Your down payment$127,444.96
Closing costs + prepaids$15,371.28
Total buyer cash needed$142,816.24
Remaining funds due$142,816.24
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,962.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,725.75
Initial HOA (3 months)$125.01
Prepaid interest, first (27 days)$891.25
Fees + prepaids$15,371.28
Your down payment is the seller’s equity. You take over the $392,455 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $142,816.24 is due at closing. Uses and sources reconcile at $535,271.28 each. Not a Closing Disclosure.