Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$221,757Cash toward the purchase price.
Closing costs + prepaids$13,408Not just lender fees.
Before credits & paid funds$235,165The complete starting cash picture.
Estimated remaining funds due at closing
$235,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,757.40
Your down payment$221,757.40
Closing costs + prepaids$13,407.89
Total buyer cash needed$235,165.29
Remaining funds due$235,165.29
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%)$4,998.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,390.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.00
Prepaid interest, first (25 days)$723.67
Fees + prepaids$13,407.89
Your down payment is the seller’s equity. You take over the $278,043 balance, so the rest of the $499,800 price is paid at closing. A second mortgage can cover part of it. $235,165.29 is due at closing. Uses and sources reconcile at $513,207.89 each. Not a Closing Disclosure.