Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$242,226Cash toward the purchase price.
Closing costs + prepaids$12,912Not just lender fees.
Before credits & paid funds$255,138The complete starting cash picture.
Estimated remaining funds due at closing
$255,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,226.26
Your down payment$242,226.26
Closing costs + prepaids$12,911.53
Total buyer cash needed$255,137.79
Remaining funds due$255,137.79
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%)$4,989.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,283.37
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$625.75
Prepaid interest, first (28 days)$545.41
Fees + prepaids$12,911.53
Your down payment is the seller’s equity. You take over the $256,674 balance, so the rest of the $498,900 price is paid at closing. A second mortgage can cover part of it. $255,137.79 is due at closing. Uses and sources reconcile at $511,811.53 each. Not a Closing Disclosure.