Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$140,738Cash toward the purchase price.
Closing costs + prepaids$13,796Not just lender fees.
Before credits & paid funds$154,534The complete starting cash picture.
Estimated remaining funds due at closing
$154,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,737.77
Your down payment$140,737.77
Closing costs + prepaids$13,796.40
Total buyer cash needed$154,534.17
Remaining funds due$154,534.17
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,795.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$625.00
Initial HOA (3 months)$114.00
Prepaid interest, first (17 days)$794.58
Fees + prepaids$13,796.40
Your down payment is the seller’s equity. You take over the $359,162 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $154,534.17 is due at closing. Uses and sources reconcile at $513,696.40 each. Not a Closing Disclosure.