Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$196,915Cash toward the purchase price.
Closing costs + prepaids$12,641Not just lender fees.
Before credits & paid funds$209,557The complete starting cash picture.
Estimated remaining funds due at closing
$209,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$196,915.44
Your down payment$196,915.44
Closing costs + prepaids$12,641.10
Total buyer cash needed$209,556.54
Remaining funds due$209,556.54
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,515.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$81.25
Prepaid interest, first (26 days)$576.44
Fees + prepaids$12,641.10
Your down payment is the seller’s equity. You take over the $303,084 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $209,556.54 is due at closing. Uses and sources reconcile at $512,640.10 each. Not a Closing Disclosure.