Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$115,355Cash toward the purchase price.
Closing costs + prepaids$14,714Not just lender fees.
Before credits & paid funds$130,070The complete starting cash picture.
Estimated remaining funds due at closing
$130,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,355.34
Your down payment$115,355.34
Closing costs + prepaids$14,714.18
Total buyer cash needed$130,069.52
Remaining funds due$130,069.52
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%)$4,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,895.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$429.75
Prepaid interest, first (30 days)$1,975.71
Fees + prepaids$14,714.18
Your down payment is the seller’s equity. You take over the $379,145 balance, so the rest of the $494,500 price is paid at closing. A second mortgage can cover part of it. $130,069.52 is due at closing. Uses and sources reconcile at $509,214.18 each. Not a Closing Disclosure.