Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,495Cash toward the purchase price.
Closing costs + prepaids$15,558Not just lender fees.
Before credits & paid funds$122,054The complete starting cash picture.
Estimated remaining funds due at closing
$122,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,495.48
Your down payment$106,495.48
Closing costs + prepaids$15,558.17
Total buyer cash needed$122,053.65
Remaining funds due$122,053.65
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,967.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,250.00
Initial HOA (3 months)$1,161.00
Prepaid interest, first (23 days)$711.65
Fees + prepaids$15,558.17
Your down payment is the seller’s equity. You take over the $393,505 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $122,053.65 is due at closing. Uses and sources reconcile at $515,558.17 each. Not a Closing Disclosure.