Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$287,944Cash toward the purchase price.
Closing costs + prepaids$14,819Not just lender fees.
Before credits & paid funds$302,763The complete starting cash picture.
Estimated remaining funds due at closing
$302,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,943.95
Your down payment$287,943.95
Closing costs + prepaids$14,818.75
Total buyer cash needed$302,762.71
Remaining funds due$302,762.71
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,055.28
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)$1,485.00
Prepaid interest, first (27 days)$572.97
Fees + prepaids$14,818.75
Your down payment is the seller’s equity. You take over the $211,056 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $302,762.71 is due at closing. Uses and sources reconcile at $513,818.75 each. Not a Closing Disclosure.