Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$111,487Cash toward the purchase price.
Closing costs + prepaids$14,154Not just lender fees.
Before credits & paid funds$125,641The complete starting cash picture.
Estimated remaining funds due at closing
$125,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,486.94
Your down payment$111,486.94
Closing costs + prepaids$14,153.86
Total buyer cash needed$125,640.80
Remaining funds due$125,640.80
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%)$4,979.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,932.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$622.50
Initial HOA (3 months)$75.00
Prepaid interest, first (16 days)$1,077.30
Fees + prepaids$14,153.86
Your down payment is the seller’s equity. You take over the $386,413 balance, so the rest of the $497,900 price is paid at closing. A second mortgage can cover part of it. $125,640.80 is due at closing. Uses and sources reconcile at $512,053.86 each. Not a Closing Disclosure.