Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$116,556Cash toward the purchase price.
Closing costs + prepaids$18,756Not just lender fees.
Before credits & paid funds$135,312The complete starting cash picture.
Estimated remaining funds due at closing
$135,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,555.67
Your down payment$116,555.67
Closing costs + prepaids$18,756.45
Total buyer cash needed$135,312.12
Remaining funds due$135,312.12
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,992.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,240.50
Initial HOA (3 months)$2,388.00
Prepaid interest, first (31 days)$2,517.73
Fees + prepaids$18,756.45
Your down payment is the seller’s equity. You take over the $398,444 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $135,312.12 is due at closing. Uses and sources reconcile at $533,756.45 each. Not a Closing Disclosure.