Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$499,900Cash toward the purchase price.
Closing costs + prepaids$10,689Not just lender fees.
Before credits & paid funds$510,589The complete starting cash picture.
Estimated remaining funds due at closing
$510,589No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$499,900.00
Your down payment$499,900.00
Closing costs + prepaids$10,689.26
Total buyer cash needed$510,589.26
Remaining funds due$510,589.26
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$0.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$217.25
Initial HOA (3 months)$5.01
Prepaid interest, first (28 days)$0.00
Fees + prepaids$10,689.26
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $510,589.26 is due at closing. Uses and sources reconcile at $510,589.26 each. Not a Closing Disclosure.