Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$213,925Cash toward the purchase price.
Closing costs + prepaids$13,587Not just lender fees.
Before credits & paid funds$227,512The complete starting cash picture.
Estimated remaining funds due at closing
$227,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,925.01
Your down payment$213,925.01
Closing costs + prepaids$13,586.89
Total buyer cash needed$227,511.90
Remaining funds due$227,511.90
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%)$1,430.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$896.25
Initial HOA (3 months)$210.00
Prepaid interest, first (23 days)$582.26
Fees + prepaids$13,586.89
Your down payment is the seller’s equity. You take over the $286,075 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $227,511.90 is due at closing. Uses and sources reconcile at $513,586.89 each. Not a Closing Disclosure.