Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$122,758Cash toward the purchase price.
Closing costs + prepaids$14,861Not just lender fees.
Before credits & paid funds$137,619The complete starting cash picture.
Estimated remaining funds due at closing
$137,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,758.42
Your down payment$122,758.42
Closing costs + prepaids$14,860.72
Total buyer cash needed$137,619.14
Remaining funds due$137,619.14
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,986.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$992.25
Initial HOA (3 months)$165.00
Prepaid interest, first (31 days)$1,049.26
Fees + prepaids$14,860.72
Your down payment is the seller’s equity. You take over the $397,242 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $137,619.14 is due at closing. Uses and sources reconcile at $534,860.72 each. Not a Closing Disclosure.