Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$246,022Cash toward the purchase price.
Closing costs + prepaids$13,111Not just lender fees.
Before credits & paid funds$259,134The complete starting cash picture.
Estimated remaining funds due at closing
$259,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,022.16
Your down payment$246,022.16
Closing costs + prepaids$13,111.37
Total buyer cash needed$259,133.53
Remaining funds due$259,133.53
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%)$1,269.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.25
Initial HOA (3 months)$315.00
Prepaid interest, first (23 days)$476.73
Fees + prepaids$13,111.37
Your down payment is the seller’s equity. You take over the $253,878 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $259,133.53 is due at closing. Uses and sources reconcile at $513,011.37 each. Not a Closing Disclosure.