Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$256,600Cash toward the purchase price.
Closing costs + prepaids$12,371Not just lender fees.
Before credits & paid funds$268,971The complete starting cash picture.
Estimated remaining funds due at closing
$268,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,600.25
Your down payment$256,600.25
Closing costs + prepaids$12,370.68
Total buyer cash needed$268,970.93
Remaining funds due$268,970.93
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,212.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$669.42
Fees + prepaids$12,370.68
Your down payment is the seller’s equity. You take over the $242,400 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $268,970.93 is due at closing. Uses and sources reconcile at $511,370.68 each. Not a Closing Disclosure.