Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$295,582Cash toward the purchase price.
Closing costs + prepaids$12,641Not just lender fees.
Before credits & paid funds$308,224The complete starting cash picture.
Estimated remaining funds due at closing
$308,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,582.47
Your down payment$295,582.47
Closing costs + prepaids$12,641.39
Total buyer cash needed$308,223.86
Remaining funds due$308,223.86
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%)$1,021.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$722.00
Prepaid interest, first (26 days)$430.80
Fees + prepaids$12,641.39
Your down payment is the seller’s equity. You take over the $204,318 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $308,223.86 is due at closing. Uses and sources reconcile at $512,541.39 each. Not a Closing Disclosure.