Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$196,238Cash toward the purchase price.
Closing costs + prepaids$13,555Not just lender fees.
Before credits & paid funds$209,793The complete starting cash picture.
Estimated remaining funds due at closing
$209,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,237.96
Your down payment$196,237.96
Closing costs + prepaids$13,555.29
Total buyer cash needed$209,793.25
Remaining funds due$209,793.25
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,518.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$805.00
Prepaid interest, first (22 days)$763.48
Fees + prepaids$13,555.29
Your down payment is the seller’s equity. You take over the $303,762 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $209,793.25 is due at closing. Uses and sources reconcile at $513,555.29 each. Not a Closing Disclosure.