Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$272,562Cash toward the purchase price.
Closing costs + prepaids$15,167Not just lender fees.
Before credits & paid funds$287,730The complete starting cash picture.
Estimated remaining funds due at closing
$287,730No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,562.40
Your down payment$272,562.40
Closing costs + prepaids$15,167.39
Total buyer cash needed$287,729.79
Remaining funds due$287,729.79
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,132.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$1,770.00
Prepaid interest, first (26 days)$559.70
Fees + prepaids$15,167.39
Your down payment is the seller’s equity. You take over the $226,438 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $287,729.79 is due at closing. Uses and sources reconcile at $514,167.39 each. Not a Closing Disclosure.