Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$232,784Cash toward the purchase price.
Closing costs + prepaids$13,044Not just lender fees.
Before credits & paid funds$245,827The complete starting cash picture.
Estimated remaining funds due at closing
$245,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,783.83
Your down payment$232,783.83
Closing costs + prepaids$13,043.63
Total buyer cash needed$245,827.46
Remaining funds due$245,827.46
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%)$4,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,336.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$673.50
Initial HOA (3 months)$120.00
Prepaid interest, first (23 days)$446.20
Fees + prepaids$13,043.63
Your down payment is the seller’s equity. You take over the $267,206 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $245,827.46 is due at closing. Uses and sources reconcile at $513,033.63 each. Not a Closing Disclosure.