Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$218,121Cash toward the purchase price.
Closing costs + prepaids$13,892Not just lender fees.
Before credits & paid funds$232,014The complete starting cash picture.
Estimated remaining funds due at closing
$232,014No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$218,121.13
Your down payment$218,121.13
Closing costs + prepaids$13,892.44
Total buyer cash needed$232,013.56
Remaining funds due$232,013.56
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,409.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$603.25
Initial HOA (3 months)$780.00
Prepaid interest, first (27 days)$631.79
Fees + prepaids$13,892.44
Your down payment is the seller’s equity. You take over the $281,879 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $232,013.56 is due at closing. Uses and sources reconcile at $513,892.44 each. Not a Closing Disclosure.