Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$267,742Cash toward the purchase price.
Closing costs + prepaids$12,838Not just lender fees.
Before credits & paid funds$280,580The complete starting cash picture.
Estimated remaining funds due at closing
$280,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,742.17
Your down payment$267,742.17
Closing costs + prepaids$12,838.00
Total buyer cash needed$280,580.17
Remaining funds due$280,580.17
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%)$1,160.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.25
Initial HOA (3 months)$287.01
Prepaid interest, first (23 days)$435.95
Fees + prepaids$12,838.00
Your down payment is the seller’s equity. You take over the $232,158 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $280,580.17 is due at closing. Uses and sources reconcile at $512,738.00 each. Not a Closing Disclosure.