Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$126,020Cash toward the purchase price.
Closing costs + prepaids$13,556Not just lender fees.
Before credits & paid funds$139,576The complete starting cash picture.
Estimated remaining funds due at closing
$139,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,019.89
Your down payment$126,019.89
Closing costs + prepaids$13,556.33
Total buyer cash needed$139,576.22
Remaining funds due$139,576.22
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,744.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$695.25
Initial HOA (3 months)$117.99
Prepaid interest, first (30 days)$780.19
Fees + prepaids$13,556.33
Your down payment is the seller’s equity. You take over the $348,980 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $139,576.22 is due at closing. Uses and sources reconcile at $488,556.33 each. Not a Closing Disclosure.