Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$231,605Cash toward the purchase price.
Closing costs + prepaids$13,577Not just lender fees.
Before credits & paid funds$245,182The complete starting cash picture.
Estimated remaining funds due at closing
$245,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,605.40
Your down payment$231,605.40
Closing costs + prepaids$13,576.61
Total buyer cash needed$245,182.01
Remaining funds due$245,182.01
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%)$1,341.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,150.75
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$590.91
Fees + prepaids$13,576.61
Your down payment is the seller’s equity. You take over the $268,394 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $245,182.01 is due at closing. Uses and sources reconcile at $513,575.61 each. Not a Closing Disclosure.