Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$139,937Cash toward the purchase price.
Closing costs + prepaids$13,455Not just lender fees.
Before credits & paid funds$153,392The complete starting cash picture.
Estimated remaining funds due at closing
$153,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,937.17
Your down payment$139,937.17
Closing costs + prepaids$13,455.28
Total buyer cash needed$153,392.45
Remaining funds due$153,392.45
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%)$1,799.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (9 days)$588.47
Fees + prepaids$13,455.28
Your down payment is the seller’s equity. You take over the $359,963 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $153,392.45 is due at closing. Uses and sources reconcile at $513,355.28 each. Not a Closing Disclosure.