Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$253,057Cash toward the purchase price.
Closing costs + prepaids$12,571Not just lender fees.
Before credits & paid funds$265,628The complete starting cash picture.
Estimated remaining funds due at closing
$265,628No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,057.24
Your down payment$253,057.24
Closing costs + prepaids$12,570.58
Total buyer cash needed$265,627.82
Remaining funds due$265,627.82
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,234.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$403.50
Prepaid interest, first (24 days)$464.39
Fees + prepaids$12,570.58
Your down payment is the seller’s equity. You take over the $246,942 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $265,627.82 is due at closing. Uses and sources reconcile at $512,569.58 each. Not a Closing Disclosure.