Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$108,130Cash toward the purchase price.
Closing costs + prepaids$13,943Not just lender fees.
Before credits & paid funds$122,073The complete starting cash picture.
Estimated remaining funds due at closing
$122,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,130.42
Your down payment$108,130.42
Closing costs + prepaids$13,942.95
Total buyer cash needed$122,073.37
Remaining funds due$122,073.37
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,954.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$833.25
Prepaid interest, first (22 days)$697.35
Fees + prepaids$13,942.95
Your down payment is the seller’s equity. You take over the $390,870 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $122,073.37 is due at closing. Uses and sources reconcile at $512,942.95 each. Not a Closing Disclosure.