Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$113,366Cash toward the purchase price.
Closing costs + prepaids$14,818Not just lender fees.
Before credits & paid funds$128,185The complete starting cash picture.
Estimated remaining funds due at closing
$128,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,366.25
Your down payment$113,366.25
Closing costs + prepaids$14,818.43
Total buyer cash needed$128,184.68
Remaining funds due$128,184.68
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%)$4,949.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,908.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$541.00
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$1,851.28
Fees + prepaids$14,818.43
Your down payment is the seller’s equity. You take over the $381,633 balance, so the rest of the $494,999 price is paid at closing. A second mortgage can cover part of it. $128,184.68 is due at closing. Uses and sources reconcile at $509,817.43 each. Not a Closing Disclosure.