Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$103,384Cash toward the purchase price.
Closing costs + prepaids$15,339Not just lender fees.
Before credits & paid funds$118,723The complete starting cash picture.
Estimated remaining funds due at closing
$118,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,383.87
Your down payment$103,383.87
Closing costs + prepaids$15,339.34
Total buyer cash needed$118,723.22
Remaining funds due$118,723.22
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,933.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,383.75
Initial HOA (3 months)$261.00
Prepaid interest, first (22 days)$1,393.51
Fees + prepaids$15,339.34
Your down payment is the seller’s equity. You take over the $386,616 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $118,723.22 is due at closing. Uses and sources reconcile at $505,339.34 each. Not a Closing Disclosure.