Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$127,406Cash toward the purchase price.
Closing costs + prepaids$14,609Not just lender fees.
Before credits & paid funds$142,015The complete starting cash picture.
Estimated remaining funds due at closing
$142,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,405.74
Your down payment$127,405.74
Closing costs + prepaids$14,609.21
Total buyer cash needed$142,014.95
Remaining funds due$142,014.95
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%)$4,999.90
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 (30 days)$1,492.89
Fees + prepaids$14,609.21
Your down payment is the seller’s equity. You take over the $372,584 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $142,014.95 is due at closing. Uses and sources reconcile at $514,599.21 each. Not a Closing Disclosure.