Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$207,077Cash toward the purchase price.
Closing costs + prepaids$14,429Not just lender fees.
Before credits & paid funds$221,506The complete starting cash picture.
Estimated remaining funds due at closing
$221,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,076.81
Your down payment$207,076.81
Closing costs + prepaids$14,429.08
Total buyer cash needed$221,505.88
Remaining funds due$221,505.88
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%)$4,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,462.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,868.00
Prepaid interest, first (27 days)$635.96
Fees + prepaids$14,429.08
Your down payment is the seller’s equity. You take over the $292,423 balance, so the rest of the $499,500 price is paid at closing. A second mortgage can cover part of it. $221,505.88 is due at closing. Uses and sources reconcile at $513,929.08 each. Not a Closing Disclosure.