Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$130,971Cash toward the purchase price.
Closing costs + prepaids$14,817Not just lender fees.
Before credits & paid funds$145,789The complete starting cash picture.
Estimated remaining funds due at closing
$145,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,971.49
Your down payment$130,971.49
Closing costs + prepaids$14,817.10
Total buyer cash needed$145,788.59
Remaining funds due$145,788.59
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%)$4,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,794.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$998.00
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,462.46
Fees + prepaids$14,817.10
Your down payment is the seller’s equity. You take over the $358,929 balance, so the rest of the $489,900 price is paid at closing. A second mortgage can cover part of it. $145,788.59 is due at closing. Uses and sources reconcile at $504,717.10 each. Not a Closing Disclosure.