Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$269,611Cash toward the purchase price.
Closing costs + prepaids$12,703Not just lender fees.
Before credits & paid funds$282,314The complete starting cash picture.
Estimated remaining funds due at closing
$282,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$269,611.14
Your down payment$269,611.14
Closing costs + prepaids$12,703.36
Total buyer cash needed$282,314.50
Remaining funds due$282,314.50
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%)$1,151.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$178.25
Initial HOA (3 months)$237.00
Prepaid interest, first (29 days)$669.67
Fees + prepaids$12,703.36
Your down payment is the seller’s equity. You take over the $230,289 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $282,314.50 is due at closing. Uses and sources reconcile at $512,603.36 each. Not a Closing Disclosure.