Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$114,915Cash toward the purchase price.
Closing costs + prepaids$14,573Not just lender fees.
Before credits & paid funds$129,488The complete starting cash picture.
Estimated remaining funds due at closing
$129,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,914.93
Your down payment$114,914.93
Closing costs + prepaids$14,572.63
Total buyer cash needed$129,487.57
Remaining funds due$129,487.57
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%)$1,850.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,093.50
Prepaid interest, first (31 days)$1,310.71
Fees + prepaids$14,572.63
Your down payment is the seller’s equity. You take over the $370,085 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $129,487.57 is due at closing. Uses and sources reconcile at $499,572.63 each. Not a Closing Disclosure.