Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$226,655Cash toward the purchase price.
Closing costs + prepaids$12,721Not just lender fees.
Before credits & paid funds$239,376The complete starting cash picture.
Estimated remaining funds due at closing
$239,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,654.77
Your down payment$226,654.77
Closing costs + prepaids$12,721.42
Total buyer cash needed$239,376.19
Remaining funds due$239,376.19
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,416.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Prepaid interest, first (26 days)$736.70
Fees + prepaids$12,721.42
Your down payment is the seller’s equity. You take over the $283,345 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $239,376.19 is due at closing. Uses and sources reconcile at $522,721.42 each. Not a Closing Disclosure.