Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$124,516Cash toward the purchase price.
Closing costs + prepaids$13,586Not just lender fees.
Before credits & paid funds$138,102The complete starting cash picture.
Estimated remaining funds due at closing
$138,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,516.00
Your down payment$124,516.00
Closing costs + prepaids$13,585.73
Total buyer cash needed$138,101.73
Remaining funds due$138,101.73
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,752.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,560.00
Prepaid interest, first (2 days)$55.31
Fees + prepaids$13,585.73
Your down payment is the seller’s equity. You take over the $350,484 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $138,101.73 is due at closing. Uses and sources reconcile at $488,585.73 each. Not a Closing Disclosure.