Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$192,599Cash toward the purchase price.
Closing costs + prepaids$14,083Not just lender fees.
Before credits & paid funds$206,682The complete starting cash picture.
Estimated remaining funds due at closing
$206,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,598.52
Your down payment$192,598.52
Closing costs + prepaids$14,083.04
Total buyer cash needed$206,681.55
Remaining funds due$206,681.55
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%)$1,532.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$718.00
Prepaid interest, first (26 days)$1,375.03
Fees + prepaids$14,083.04
Your down payment is the seller’s equity. You take over the $306,401 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $206,681.55 is due at closing. Uses and sources reconcile at $513,083.04 each. Not a Closing Disclosure.