Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$264,518Cash toward the purchase price.
Closing costs + prepaids$12,919Not just lender fees.
Before credits & paid funds$277,437The complete starting cash picture.
Estimated remaining funds due at closing
$277,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,518.23
Your down payment$264,518.23
Closing costs + prepaids$12,918.65
Total buyer cash needed$277,436.87
Remaining funds due$277,436.87
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%)$1,176.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$148.00
Prepaid interest, first (26 days)$1,126.74
Fees + prepaids$12,918.65
Your down payment is the seller’s equity. You take over the $235,382 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $277,436.87 is due at closing. Uses and sources reconcile at $512,818.65 each. Not a Closing Disclosure.