Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$298,229Cash toward the purchase price.
Closing costs + prepaids$13,090Not just lender fees.
Before credits & paid funds$311,319The complete starting cash picture.
Estimated remaining funds due at closing
$311,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,229.05
Your down payment$298,229.05
Closing costs + prepaids$13,090.27
Total buyer cash needed$311,319.32
Remaining funds due$311,319.32
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%)$1,003.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Prepaid interest, first (25 days)$380.91
Fees + prepaids$13,090.27
Your down payment is the seller’s equity. You take over the $200,771 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $311,319.32 is due at closing. Uses and sources reconcile at $512,090.27 each. Not a Closing Disclosure.