Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$124,983Cash toward the purchase price.
Closing costs + prepaids$13,068Not just lender fees.
Before credits & paid funds$138,051The complete starting cash picture.
Estimated remaining funds due at closing
$138,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,983.43
Your down payment$124,983.43
Closing costs + prepaids$13,067.64
Total buyer cash needed$138,051.07
Remaining funds due$138,051.07
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,875.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$459.75
Initial HOA (3 months)$204.00
Prepaid interest, first (2 days)$60.82
Fees + prepaids$13,067.64
Your down payment is the seller’s equity. You take over the $375,016 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $138,051.07 is due at closing. Uses and sources reconcile at $513,066.64 each. Not a Closing Disclosure.