Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$132,452Cash toward the purchase price.
Closing costs + prepaids$13,799Not just lender fees.
Before credits & paid funds$146,251The complete starting cash picture.
Estimated remaining funds due at closing
$146,251No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,452.45
Your down payment$132,452.45
Closing costs + prepaids$13,798.89
Total buyer cash needed$146,251.35
Remaining funds due$146,251.35
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,837.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$683.25
Prepaid interest, first (26 days)$811.40
Fees + prepaids$13,798.89
Your down payment is the seller’s equity. You take over the $367,448 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $146,251.35 is due at closing. Uses and sources reconcile at $513,698.89 each. Not a Closing Disclosure.