Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$206,052Cash toward the purchase price.
Closing costs + prepaids$14,210Not just lender fees.
Before credits & paid funds$220,262The complete starting cash picture.
Estimated remaining funds due at closing
$220,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,052.24
Your down payment$206,052.24
Closing costs + prepaids$14,209.71
Total buyer cash needed$220,261.95
Remaining funds due$220,261.95
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%)$4,994.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,466.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,033.50
Initial HOA (3 months)$510.00
Prepaid interest, first (31 days)$737.47
Fees + prepaids$14,209.71
Your down payment is the seller’s equity. You take over the $293,348 balance, so the rest of the $499,400 price is paid at closing. A second mortgage can cover part of it. $220,261.95 is due at closing. Uses and sources reconcile at $513,609.71 each. Not a Closing Disclosure.