Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$247,742Cash toward the purchase price.
Closing costs + prepaids$13,779Not just lender fees.
Before credits & paid funds$261,521The complete starting cash picture.
Estimated remaining funds due at closing
$261,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,741.70
Your down payment$247,741.70
Closing costs + prepaids$13,779.21
Total buyer cash needed$261,520.90
Remaining funds due$261,520.90
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%)$1,260.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$766.50
Initial HOA (3 months)$693.00
Prepaid interest, first (24 days)$591.92
Fees + prepaids$13,779.21
Your down payment is the seller’s equity. You take over the $252,158 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $261,520.90 is due at closing. Uses and sources reconcile at $513,679.21 each. Not a Closing Disclosure.