Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$208,843Cash toward the purchase price.
Closing costs + prepaids$13,343Not just lender fees.
Before credits & paid funds$222,186The complete starting cash picture.
Estimated remaining funds due at closing
$222,186No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,843.01
Your down payment$208,843.01
Closing costs + prepaids$13,342.87
Total buyer cash needed$222,185.89
Remaining funds due$222,185.89
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%)$1,455.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.50
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$747.10
Fees + prepaids$13,342.87
Your down payment is the seller’s equity. You take over the $291,057 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $222,185.89 is due at closing. Uses and sources reconcile at $513,242.87 each. Not a Closing Disclosure.