Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$192,654Cash toward the purchase price.
Closing costs + prepaids$14,038Not just lender fees.
Before credits & paid funds$206,692The complete starting cash picture.
Estimated remaining funds due at closing
$206,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,653.75
Your down payment$192,653.75
Closing costs + prepaids$14,038.11
Total buyer cash needed$206,691.85
Remaining funds due$206,691.85
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%)$1,531.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$906.00
Initial HOA (3 months)$387.00
Prepaid interest, first (24 days)$755.37
Fees + prepaids$14,038.11
Your down payment is the seller’s equity. You take over the $306,346 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $206,691.85 is due at closing. Uses and sources reconcile at $513,038.11 each. Not a Closing Disclosure.