Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$125,950Cash toward the purchase price.
Closing costs + prepaids$13,486Not just lender fees.
Before credits & paid funds$139,436The complete starting cash picture.
Estimated remaining funds due at closing
$139,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,949.99
Your down payment$125,949.99
Closing costs + prepaids$13,486.39
Total buyer cash needed$139,436.39
Remaining funds due$139,436.39
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,815.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,284.00
Prepaid interest, first (1 days)$29.14
Fees + prepaids$13,486.39
Your down payment is the seller’s equity. You take over the $363,050 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $139,436.39 is due at closing. Uses and sources reconcile at $502,486.39 each. Not a Closing Disclosure.