Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$235,311Cash toward the purchase price.
Closing costs + prepaids$12,547Not just lender fees.
Before credits & paid funds$247,857The complete starting cash picture.
Estimated remaining funds due at closing
$247,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,310.50
Your down payment$235,310.50
Closing costs + prepaids$12,546.72
Total buyer cash needed$247,857.23
Remaining funds due$247,857.23
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%)$4,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,323.40
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$178.00
Initial HOA (3 months)$93.75
Prepaid interest, first (23 days)$483.67
Fees + prepaids$12,546.72
Your down payment is the seller’s equity. You take over the $264,679 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $247,857.23 is due at closing. Uses and sources reconcile at $512,536.72 each. Not a Closing Disclosure.