Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$273,326Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$285,875The complete starting cash picture.
Estimated remaining funds due at closing
$285,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,325.59
Your down payment$273,325.59
Closing costs + prepaids$12,548.98
Total buyer cash needed$285,874.57
Remaining funds due$285,874.57
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%)$1,132.87
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$526.50
Prepaid interest, first (23 days)$422.61
Fees + prepaids$12,548.98
Your down payment is the seller’s equity. You take over the $226,574 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $285,874.57 is due at closing. Uses and sources reconcile at $512,448.98 each. Not a Closing Disclosure.