Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$119,179Cash toward the purchase price.
Closing costs + prepaids$15,026Not just lender fees.
Before credits & paid funds$134,205The complete starting cash picture.
Estimated remaining funds due at closing
$134,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,179.27
Your down payment$119,179.27
Closing costs + prepaids$15,025.70
Total buyer cash needed$134,204.98
Remaining funds due$134,204.98
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%)$5,069.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,938.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$767.00
Initial HOA (3 months)$249.00
Prepaid interest, first (29 days)$1,534.10
Fees + prepaids$15,025.70
Your down payment is the seller’s equity. You take over the $387,721 balance, so the rest of the $506,900 price is paid at closing. A second mortgage can cover part of it. $134,204.98 is due at closing. Uses and sources reconcile at $521,925.70 each. Not a Closing Disclosure.