Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$125,841Cash toward the purchase price.
Closing costs + prepaids$13,913Not just lender fees.
Before credits & paid funds$139,754The complete starting cash picture.
Estimated remaining funds due at closing
$139,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,841.05
Your down payment$125,841.05
Closing costs + prepaids$13,912.81
Total buyer cash needed$139,753.86
Remaining funds due$139,753.86
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,870.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.75
Initial HOA (3 months)$204.00
Prepaid interest, first (30 days)$910.28
Fees + prepaids$13,912.81
Your down payment is the seller’s equity. You take over the $374,158 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $139,753.86 is due at closing. Uses and sources reconcile at $513,911.81 each. Not a Closing Disclosure.