Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,318Cash toward the purchase price.
Closing costs + prepaids$14,635Not just lender fees.
Before credits & paid funds$152,953The complete starting cash picture.
Estimated remaining funds due at closing
$152,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,317.84
Your down payment$138,317.84
Closing costs + prepaids$14,635.34
Total buyer cash needed$152,953.19
Remaining funds due$152,953.19
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,808.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$362.25
Prepaid interest, first (31 days)$1,996.68
Fees + prepaids$14,635.34
Your down payment is the seller’s equity. You take over the $361,682 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $152,953.19 is due at closing. Uses and sources reconcile at $514,635.34 each. Not a Closing Disclosure.