Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$261,344Cash toward the purchase price.
Closing costs + prepaids$13,078Not just lender fees.
Before credits & paid funds$274,422The complete starting cash picture.
Estimated remaining funds due at closing
$274,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,343.98
Your down payment$261,343.98
Closing costs + prepaids$13,077.72
Total buyer cash needed$274,421.70
Remaining funds due$274,421.70
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%)$1,192.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.25
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$541.69
Fees + prepaids$13,077.72
Your down payment is the seller’s equity. You take over the $238,556 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $274,421.70 is due at closing. Uses and sources reconcile at $512,977.72 each. Not a Closing Disclosure.