Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$97,760Cash toward the purchase price.
Closing costs + prepaids$14,946Not just lender fees.
Before credits & paid funds$112,706The complete starting cash picture.
Estimated remaining funds due at closing
$112,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,759.84
Your down payment$97,759.84
Closing costs + prepaids$14,945.98
Total buyer cash needed$112,705.83
Remaining funds due$112,705.83
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%)$2,006.20
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Prepaid interest, first (28 days)$1,234.28
Fees + prepaids$14,945.98
Your down payment is the seller’s equity. You take over the $401,240 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $112,705.83 is due at closing. Uses and sources reconcile at $513,945.98 each. Not a Closing Disclosure.