Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$125,282Cash toward the purchase price.
Closing costs + prepaids$14,778Not just lender fees.
Before credits & paid funds$140,060The complete starting cash picture.
Estimated remaining funds due at closing
$140,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,282.03
Your down payment$125,282.03
Closing costs + prepaids$14,777.68
Total buyer cash needed$140,059.71
Remaining funds due$140,059.71
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,948.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$524.00
Initial HOA (3 months)$459.00
Prepaid interest, first (18 days)$1,228.09
Fees + prepaids$14,777.68
Your down payment is the seller’s equity. You take over the $389,718 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $140,059.71 is due at closing. Uses and sources reconcile at $529,777.68 each. Not a Closing Disclosure.