Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$249,522Cash toward the purchase price.
Closing costs + prepaids$12,804Not just lender fees.
Before credits & paid funds$262,326The complete starting cash picture.
Estimated remaining funds due at closing
$262,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,522.24
Your down payment$249,522.24
Closing costs + prepaids$12,803.99
Total buyer cash needed$262,326.23
Remaining funds due$262,326.23
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%)$1,247.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$688.50
Prepaid interest, first (24 days)$410.10
Fees + prepaids$12,803.99
Your down payment is the seller’s equity. You take over the $249,478 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $262,326.23 is due at closing. Uses and sources reconcile at $511,803.99 each. Not a Closing Disclosure.