Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$123,406Cash toward the purchase price.
Closing costs + prepaids$14,619Not just lender fees.
Before credits & paid funds$138,025The complete starting cash picture.
Estimated remaining funds due at closing
$138,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,405.74
Your down payment$123,405.74
Closing costs + prepaids$14,618.97
Total buyer cash needed$138,024.72
Remaining funds due$138,024.72
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%)$4,959.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,862.92
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$125.50
Initial HOA (3 months)$660.00
Prepaid interest, first (31 days)$1,542.65
Fees + prepaids$14,618.97
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $495,990 price is paid at closing. A second mortgage can cover part of it. $138,024.72 is due at closing. Uses and sources reconcile at $510,608.97 each. Not a Closing Disclosure.