Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$250,592Cash toward the purchase price.
Closing costs + prepaids$13,097Not just lender fees.
Before credits & paid funds$263,688The complete starting cash picture.
Estimated remaining funds due at closing
$263,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,591.83
Your down payment$250,591.83
Closing costs + prepaids$13,096.63
Total buyer cash needed$263,688.46
Remaining funds due$263,688.46
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,197.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$965.25
Initial HOA (3 months)$7.50
Prepaid interest, first (24 days)$558.84
Fees + prepaids$13,096.63
Your down payment is the seller’s equity. You take over the $239,408 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $263,688.46 is due at closing. Uses and sources reconcile at $503,096.63 each. Not a Closing Disclosure.