Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$126,083Cash toward the purchase price.
Closing costs + prepaids$17,340Not just lender fees.
Before credits & paid funds$143,422The complete starting cash picture.
Estimated remaining funds due at closing
$143,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,082.61
Your down payment$126,082.61
Closing costs + prepaids$17,339.72
Total buyer cash needed$143,422.33
Remaining funds due$143,422.33
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%)$6,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,414.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$788.75
Prepaid interest, first (29 days)$2,578.38
Fees + prepaids$17,339.72
Your down payment is the seller’s equity. You take over the $482,917 balance, so the rest of the $609,000 price is paid at closing. A second mortgage can cover part of it. $143,422.33 is due at closing. Uses and sources reconcile at $626,339.72 each. Not a Closing Disclosure.