Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$198,089Cash toward the purchase price.
Closing costs + prepaids$14,956Not just lender fees.
Before credits & paid funds$213,045The complete starting cash picture.
Estimated remaining funds due at closing
$213,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,088.53
Your down payment$198,088.53
Closing costs + prepaids$14,956.45
Total buyer cash needed$213,044.97
Remaining funds due$213,044.97
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,509.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$977.00
Initial HOA (3 months)$771.00
Prepaid interest, first (23 days)$1,230.89
Fees + prepaids$14,956.45
Your down payment is the seller’s equity. You take over the $301,911 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $213,044.97 is due at closing. Uses and sources reconcile at $514,956.45 each. Not a Closing Disclosure.