Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$198,758Cash toward the purchase price.
Closing costs + prepaids$12,714Not just lender fees.
Before credits & paid funds$211,472The complete starting cash picture.
Estimated remaining funds due at closing
$211,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,757.51
Your down payment$198,757.51
Closing costs + prepaids$12,714.47
Total buyer cash needed$211,471.97
Remaining funds due$211,471.97
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%)$1,501.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$86.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$637.99
Fees + prepaids$12,714.47
Your down payment is the seller’s equity. You take over the $300,242 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $211,471.97 is due at closing. Uses and sources reconcile at $511,714.47 each. Not a Closing Disclosure.