Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$113,849Cash toward the purchase price.
Closing costs + prepaids$14,977Not just lender fees.
Before credits & paid funds$128,826The complete starting cash picture.
Estimated remaining funds due at closing
$128,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,849.45
Your down payment$113,849.45
Closing costs + prepaids$14,976.93
Total buyer cash needed$128,826.38
Remaining funds due$128,826.38
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,855.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$656.50
Prepaid interest, first (31 days)$2,146.67
Fees + prepaids$14,976.93
Your down payment is the seller’s equity. You take over the $371,151 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $128,826.38 is due at closing. Uses and sources reconcile at $499,976.93 each. Not a Closing Disclosure.