Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$131,128Cash toward the purchase price.
Closing costs + prepaids$14,097Not just lender fees.
Before credits & paid funds$145,226The complete starting cash picture.
Estimated remaining funds due at closing
$145,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,128.40
Your down payment$131,128.40
Closing costs + prepaids$14,097.35
Total buyer cash needed$145,225.75
Remaining funds due$145,225.75
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,843.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,249.75
Prepaid interest, first (25 days)$536.74
Fees + prepaids$14,097.35
Your down payment is the seller’s equity. You take over the $368,772 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $145,225.75 is due at closing. Uses and sources reconcile at $513,997.35 each. Not a Closing Disclosure.