Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$110,920Cash toward the purchase price.
Closing costs + prepaids$15,516Not just lender fees.
Before credits & paid funds$126,436The complete starting cash picture.
Estimated remaining funds due at closing
$126,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,919.69
Your down payment$110,919.69
Closing costs + prepaids$15,515.81
Total buyer cash needed$126,435.50
Remaining funds due$126,435.50
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,840.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$326.75
Initial HOA (3 months)$993.00
Prepaid interest, first (31 days)$2,097.65
Fees + prepaids$15,515.81
Your down payment is the seller’s equity. You take over the $368,080 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $126,435.50 is due at closing. Uses and sources reconcile at $494,515.81 each. Not a Closing Disclosure.