Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$216,070Cash toward the purchase price.
Closing costs + prepaids$13,324Not just lender fees.
Before credits & paid funds$229,394The complete starting cash picture.
Estimated remaining funds due at closing
$229,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,069.75
Your down payment$216,069.75
Closing costs + prepaids$13,323.91
Total buyer cash needed$229,393.66
Remaining funds due$229,393.66
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%)$1,414.65
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$525.75
Initial HOA (3 months)$396.00
Prepaid interest, first (23 days)$529.51
Fees + prepaids$13,323.91
Your down payment is the seller’s equity. You take over the $282,930 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $229,393.66 is due at closing. Uses and sources reconcile at $512,323.91 each. Not a Closing Disclosure.