Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$111,487Cash toward the purchase price.
Closing costs + prepaids$15,209Not just lender fees.
Before credits & paid funds$126,695The complete starting cash picture.
Estimated remaining funds due at closing
$126,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,486.94
Your down payment$111,486.94
Closing costs + prepaids$15,208.51
Total buyer cash needed$126,695.45
Remaining funds due$126,695.45
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%)$4,979.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$936.50
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$1,817.94
Fees + prepaids$15,208.51
Your down payment is the seller’s equity. You take over the $386,413 balance, so the rest of the $497,900 price is paid at closing. A second mortgage can cover part of it. $126,695.45 is due at closing. Uses and sources reconcile at $513,108.51 each. Not a Closing Disclosure.