Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$109,907Cash toward the purchase price.
Closing costs + prepaids$13,627Not just lender fees.
Before credits & paid funds$123,534The complete starting cash picture.
Estimated remaining funds due at closing
$123,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,906.79
Your down payment$109,906.79
Closing costs + prepaids$13,627.47
Total buyer cash needed$123,534.26
Remaining funds due$123,534.26
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%)$4,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,920.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$577.75
Prepaid interest, first (23 days)$721.25
Fees + prepaids$13,627.47
Your down payment is the seller’s equity. You take over the $384,093 balance, so the rest of the $494,000 price is paid at closing. A second mortgage can cover part of it. $123,534.26 is due at closing. Uses and sources reconcile at $507,627.47 each. Not a Closing Disclosure.