Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$287,703Cash toward the purchase price.
Closing costs + prepaids$12,369Not just lender fees.
Before credits & paid funds$300,073The complete starting cash picture.
Estimated remaining funds due at closing
$300,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,703.17
Your down payment$287,703.17
Closing costs + prepaids$12,369.40
Total buyer cash needed$300,072.56
Remaining funds due$300,072.56
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%)$1,061.48
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$373.50
Prepaid interest, first (27 days)$466.41
Fees + prepaids$12,369.40
Your down payment is the seller’s equity. You take over the $212,297 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $300,072.56 is due at closing. Uses and sources reconcile at $512,369.40 each. Not a Closing Disclosure.