Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$222,805Cash toward the purchase price.
Closing costs + prepaids$14,285Not just lender fees.
Before credits & paid funds$237,090The complete starting cash picture.
Estimated remaining funds due at closing
$237,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,805.31
Your down payment$222,805.31
Closing costs + prepaids$14,285.10
Total buyer cash needed$237,090.41
Remaining funds due$237,090.41
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%)$1,380.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,247.50
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$598.62
Fees + prepaids$14,285.10
Your down payment is the seller’s equity. You take over the $276,195 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $237,090.41 is due at closing. Uses and sources reconcile at $513,285.10 each. Not a Closing Disclosure.