Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$140,159Cash toward the purchase price.
Closing costs + prepaids$14,446Not just lender fees.
Before credits & paid funds$154,605The complete starting cash picture.
Estimated remaining funds due at closing
$154,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,158.81
Your down payment$140,158.81
Closing costs + prepaids$14,445.86
Total buyer cash needed$154,604.67
Remaining funds due$154,604.67
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%)$1,798.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$514.50
Prepaid interest, first (26 days)$1,665.65
Fees + prepaids$14,445.86
Your down payment is the seller’s equity. You take over the $359,741 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $154,604.67 is due at closing. Uses and sources reconcile at $514,345.86 each. Not a Closing Disclosure.