Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$125,841Cash toward the purchase price.
Closing costs + prepaids$13,943Not just lender fees.
Before credits & paid funds$139,784The complete starting cash picture.
Estimated remaining funds due at closing
$139,784No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,841.05
Your down payment$125,841.05
Closing costs + prepaids$13,943.15
Total buyer cash needed$139,784.20
Remaining funds due$139,784.20
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,870.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.75
Initial HOA (3 months)$204.00
Prepaid interest, first (31 days)$940.62
Fees + prepaids$13,943.15
Your down payment is the seller’s equity. You take over the $374,158 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $139,784.20 is due at closing. Uses and sources reconcile at $513,942.15 each. Not a Closing Disclosure.