Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$126,820Cash toward the purchase price.
Closing costs + prepaids$14,122Not just lender fees.
Before credits & paid funds$140,942The complete starting cash picture.
Estimated remaining funds due at closing
$140,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,820.36
Your down payment$126,820.36
Closing costs + prepaids$14,121.59
Total buyer cash needed$140,941.95
Remaining funds due$140,941.95
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,284.00
Prepaid interest, first (23 days)$668.69
Fees + prepaids$14,121.59
Your down payment is the seller’s equity. You take over the $362,180 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $140,941.95 is due at closing. Uses and sources reconcile at $503,121.59 each. Not a Closing Disclosure.