Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$499,874Cash toward the purchase price.
Closing costs + prepaids$17,319Not just lender fees.
Before credits & paid funds$517,193The complete starting cash picture.
Estimated remaining funds due at closing
$517,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,873.98
Your down payment$499,873.98
Closing costs + prepaids$17,319.24
Total buyer cash needed$517,193.22
Remaining funds due$517,193.22
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%)$7,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,250.13
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$784.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (27 days)$517.86
Fees + prepaids$17,319.24
Your down payment is the seller’s equity. You take over the $250,026 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $517,193.22 is due at closing. Uses and sources reconcile at $767,219.24 each. Not a Closing Disclosure.