Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$114,899Cash toward the purchase price.
Closing costs + prepaids$12,807Not just lender fees.
Before credits & paid funds$127,706The complete starting cash picture.
Estimated remaining funds due at closing
$127,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,899.43
Your down payment$114,899.43
Closing costs + prepaids$12,806.69
Total buyer cash needed$127,706.12
Remaining funds due$127,706.12
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%)$4,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,898.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$429.75
Prepaid interest, first (1 days)$65.94
Fees + prepaids$12,806.69
Your down payment is the seller’s equity. You take over the $379,601 balance, so the rest of the $494,500 price is paid at closing. A second mortgage can cover part of it. $127,706.12 is due at closing. Uses and sources reconcile at $507,306.69 each. Not a Closing Disclosure.