Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$262,664Cash toward the purchase price.
Closing costs + prepaids$12,328Not just lender fees.
Before credits & paid funds$274,991The complete starting cash picture.
Estimated remaining funds due at closing
$274,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,663.53
Your down payment$262,663.53
Closing costs + prepaids$12,327.58
Total buyer cash needed$274,991.11
Remaining funds due$274,991.11
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,186.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$175.75
Prepaid interest, first (28 days)$498.65
Fees + prepaids$12,327.58
Your down payment is the seller’s equity. You take over the $237,236 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $274,991.11 is due at closing. Uses and sources reconcile at $512,227.58 each. Not a Closing Disclosure.