Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$110,349Cash toward the purchase price.
Closing costs + prepaids$14,828Not just lender fees.
Before credits & paid funds$125,177The complete starting cash picture.
Estimated remaining funds due at closing
$125,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,349.09
Your down payment$110,349.09
Closing costs + prepaids$14,827.73
Total buyer cash needed$125,176.82
Remaining funds due$125,176.82
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%)$1,873.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$443.25
Initial HOA (3 months)$86.76
Prepaid interest, first (31 days)$2,106.46
Fees + prepaids$14,827.73
Your down payment is the seller’s equity. You take over the $374,651 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $125,176.82 is due at closing. Uses and sources reconcile at $499,827.73 each. Not a Closing Disclosure.