Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$120,014Cash toward the purchase price.
Closing costs + prepaids$14,297Not just lender fees.
Before credits & paid funds$134,311The complete starting cash picture.
Estimated remaining funds due at closing
$134,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$120,014.49
Your down payment$120,014.49
Closing costs + prepaids$14,296.53
Total buyer cash needed$134,311.02
Remaining funds due$134,311.02
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,999.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$650.00
Prepaid interest, first (14 days)$980.10
Fees + prepaids$14,296.53
Your down payment is the seller’s equity. You take over the $399,886 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $134,311.02 is due at closing. Uses and sources reconcile at $534,196.53 each. Not a Closing Disclosure.