Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$213,123Cash toward the purchase price.
Closing costs + prepaids$12,778Not just lender fees.
Before credits & paid funds$225,901The complete starting cash picture.
Estimated remaining funds due at closing
$225,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,123.39
Your down payment$213,123.39
Closing costs + prepaids$12,777.81
Total buyer cash needed$225,901.20
Remaining funds due$225,901.20
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%)$1,433.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$225.75
Prepaid interest, first (28 days)$651.18
Fees + prepaids$12,777.81
Your down payment is the seller’s equity. You take over the $286,777 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $225,901.20 is due at closing. Uses and sources reconcile at $512,677.81 each. Not a Closing Disclosure.