Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$119,990Cash toward the purchase price.
Closing costs + prepaids$13,565Not just lender fees.
Before credits & paid funds$133,555The complete starting cash picture.
Estimated remaining funds due at closing
$133,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,989.62
Your down payment$119,989.62
Closing costs + prepaids$13,565.44
Total buyer cash needed$133,555.05
Remaining funds due$133,555.05
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,900.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,133.25
Prepaid interest, first (1 days)$64.13
Fees + prepaids$13,565.44
Your down payment is the seller’s equity. You take over the $380,010 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $133,555.05 is due at closing. Uses and sources reconcile at $513,565.44 each. Not a Closing Disclosure.