Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$110,932Cash toward the purchase price.
Closing costs + prepaids$14,439Not just lender fees.
Before credits & paid funds$125,372The complete starting cash picture.
Estimated remaining funds due at closing
$125,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,932.47
Your down payment$110,932.47
Closing costs + prepaids$14,439.21
Total buyer cash needed$125,371.68
Remaining funds due$125,371.68
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,920.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$717.50
Initial HOA (3 months)$258.00
Prepaid interest, first (31 days)$1,125.37
Fees + prepaids$14,439.21
Your down payment is the seller’s equity. You take over the $384,068 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $125,371.68 is due at closing. Uses and sources reconcile at $509,439.21 each. Not a Closing Disclosure.