Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,833Cash toward the purchase price.
Closing costs + prepaids$14,846Not just lender fees.
Before credits & paid funds$131,679The complete starting cash picture.
Estimated remaining funds due at closing
$131,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,833.06
Your down payment$116,833.06
Closing costs + prepaids$14,845.98
Total buyer cash needed$131,679.03
Remaining funds due$131,679.03
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,910.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$266.75
Prepaid interest, first (31 days)$2,210.39
Fees + prepaids$14,845.98
Your down payment is the seller’s equity. You take over the $382,167 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $131,679.03 is due at closing. Uses and sources reconcile at $513,845.98 each. Not a Closing Disclosure.