Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$118,219Cash toward the purchase price.
Closing costs + prepaids$16,257Not just lender fees.
Before credits & paid funds$134,477The complete starting cash picture.
Estimated remaining funds due at closing
$134,477No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,219.31
Your down payment$118,219.31
Closing costs + prepaids$16,257.40
Total buyer cash needed$134,476.71
Remaining funds due$134,476.71
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%)$5,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,158.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,375.00
Prepaid interest, first (28 days)$1,755.51
Fees + prepaids$16,257.40
Your down payment is the seller’s equity. You take over the $431,780 balance, so the rest of the $549,999 price is paid at closing. A second mortgage can cover part of it. $134,476.71 is due at closing. Uses and sources reconcile at $566,256.40 each. Not a Closing Disclosure.