Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$127,641Cash toward the purchase price.
Closing costs + prepaids$14,776Not just lender fees.
Before credits & paid funds$142,417The complete starting cash picture.
Estimated remaining funds due at closing
$142,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,641.04
Your down payment$127,641.04
Closing costs + prepaids$14,776.35
Total buyer cash needed$142,417.39
Remaining funds due$142,417.39
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,856.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$405.00
Prepaid interest, first (28 days)$809.05
Fees + prepaids$14,776.35
Your down payment is the seller’s equity. You take over the $371,359 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $142,417.39 is due at closing. Uses and sources reconcile at $513,776.35 each. Not a Closing Disclosure.