Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$187,107Cash toward the purchase price.
Closing costs + prepaids$13,187Not just lender fees.
Before credits & paid funds$200,293The complete starting cash picture.
Estimated remaining funds due at closing
$200,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,106.71
Your down payment$187,106.71
Closing costs + prepaids$13,186.67
Total buyer cash needed$200,293.38
Remaining funds due$200,293.38
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%)$1,564.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$462.00
Initial HOA (3 months)$150.00
Prepaid interest, first (22 days)$542.21
Fees + prepaids$13,186.67
Your down payment is the seller’s equity. You take over the $312,893 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $200,293.38 is due at closing. Uses and sources reconcile at $513,186.67 each. Not a Closing Disclosure.