Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$272,111Cash toward the purchase price.
Closing costs + prepaids$13,149Not just lender fees.
Before credits & paid funds$285,260The complete starting cash picture.
Estimated remaining funds due at closing
$285,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,110.82
Your down payment$272,110.82
Closing costs + prepaids$13,149.17
Total buyer cash needed$285,260.00
Remaining funds due$285,260.00
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%)$1,139.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$402.75
Initial HOA (3 months)$168.75
Prepaid interest, first (28 days)$970.24
Fees + prepaids$13,149.17
Your down payment is the seller’s equity. You take over the $227,888 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $285,260.00 is due at closing. Uses and sources reconcile at $513,148.17 each. Not a Closing Disclosure.