Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$299,499Cash toward the purchase price.
Closing costs + prepaids$13,908Not just lender fees.
Before credits & paid funds$313,407The complete starting cash picture.
Estimated remaining funds due at closing
$313,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,499.24
Your down payment$299,499.24
Closing costs + prepaids$13,908.07
Total buyer cash needed$313,407.31
Remaining funds due$313,407.31
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$997.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,922.50
Prepaid interest, first (26 days)$530.07
Fees + prepaids$13,908.07
Your down payment is the seller’s equity. You take over the $199,501 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $313,407.31 is due at closing. Uses and sources reconcile at $512,908.07 each. Not a Closing Disclosure.