Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$122,060Cash toward the purchase price.
Closing costs + prepaids$14,379Not just lender fees.
Before credits & paid funds$136,440The complete starting cash picture.
Estimated remaining funds due at closing
$136,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,060.40
Your down payment$122,060.40
Closing costs + prepaids$14,379.31
Total buyer cash needed$136,439.72
Remaining funds due$136,439.72
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,864.70
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,199.00
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$747.62
Fees + prepaids$14,379.31
Your down payment is the seller’s equity. You take over the $372,940 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $136,439.72 is due at closing. Uses and sources reconcile at $509,379.31 each. Not a Closing Disclosure.