Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$239,615Cash toward the purchase price.
Closing costs + prepaids$12,715Not just lender fees.
Before credits & paid funds$252,330The complete starting cash picture.
Estimated remaining funds due at closing
$252,330No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,615.13
Your down payment$239,615.13
Closing costs + prepaids$12,714.70
Total buyer cash needed$252,329.83
Remaining funds due$252,329.83
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%)$5,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,399.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$52.25
Prepaid interest, first (25 days)$600.03
Fees + prepaids$12,714.70
Your down payment is the seller’s equity. You take over the $279,885 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $252,329.83 is due at closing. Uses and sources reconcile at $532,214.70 each. Not a Closing Disclosure.