Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$237,238Cash toward the purchase price.
Closing costs + prepaids$13,112Not just lender fees.
Before credits & paid funds$250,350The complete starting cash picture.
Estimated remaining funds due at closing
$250,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,238.03
Your down payment$237,238.03
Closing costs + prepaids$13,112.01
Total buyer cash needed$250,350.04
Remaining funds due$250,350.04
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,313.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$608.50
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$541.72
Fees + prepaids$13,112.01
Your down payment is the seller’s equity. You take over the $262,761 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $250,350.04 is due at closing. Uses and sources reconcile at $513,111.01 each. Not a Closing Disclosure.