Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$126,828Cash toward the purchase price.
Closing costs + prepaids$14,773Not just lender fees.
Before credits & paid funds$141,601The complete starting cash picture.
Estimated remaining funds due at closing
$141,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,828.29
Your down payment$126,828.29
Closing costs + prepaids$14,772.89
Total buyer cash needed$141,601.18
Remaining funds due$141,601.18
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%)$4,985.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,858.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$857.00
Initial HOA (3 months)$6.24
Prepaid interest, first (24 days)$1,598.29
Fees + prepaids$14,772.89
Your down payment is the seller’s equity. You take over the $371,672 balance, so the rest of the $498,500 price is paid at closing. A second mortgage can cover part of it. $141,601.18 is due at closing. Uses and sources reconcile at $513,272.89 each. Not a Closing Disclosure.