Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$237,508Cash toward the purchase price.
Closing costs + prepaids$15,094Not just lender fees.
Before credits & paid funds$252,602The complete starting cash picture.
Estimated remaining funds due at closing
$252,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,507.97
Your down payment$237,507.97
Closing costs + prepaids$15,093.74
Total buyer cash needed$252,601.71
Remaining funds due$252,601.71
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%)$4,899.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,262.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,225.00
Initial HOA (3 months)$1,800.00
Prepaid interest, first (24 days)$438.30
Fees + prepaids$15,093.74
Your down payment is the seller’s equity. You take over the $252,491 balance, so the rest of the $489,999 price is paid at closing. A second mortgage can cover part of it. $252,601.71 is due at closing. Uses and sources reconcile at $505,092.74 each. Not a Closing Disclosure.