Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$137,971Cash toward the purchase price.
Closing costs + prepaids$12,769Not just lender fees.
Before credits & paid funds$150,741The complete starting cash picture.
Estimated remaining funds due at closing
$150,741No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,971.38
Your down payment$137,971.38
Closing costs + prepaids$12,769.33
Total buyer cash needed$150,740.71
Remaining funds due$150,740.71
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%)$1,810.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$362.25
Prepaid interest, first (2 days)$128.94
Fees + prepaids$12,769.33
Your down payment is the seller’s equity. You take over the $362,029 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $150,740.71 is due at closing. Uses and sources reconcile at $512,769.33 each. Not a Closing Disclosure.