Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$123,689Cash toward the purchase price.
Closing costs + prepaids$14,377Not just lender fees.
Before credits & paid funds$138,066The complete starting cash picture.
Estimated remaining funds due at closing
$138,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,688.61
Your down payment$123,688.61
Closing costs + prepaids$14,377.29
Total buyer cash needed$138,065.90
Remaining funds due$138,065.90
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%)$1,806.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$218.50
Prepaid interest, first (30 days)$2,034.23
Fees + prepaids$14,377.29
Your down payment is the seller’s equity. You take over the $361,311 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $138,065.90 is due at closing. Uses and sources reconcile at $499,377.29 each. Not a Closing Disclosure.