Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$228,622Cash toward the purchase price.
Closing costs + prepaids$13,236Not just lender fees.
Before credits & paid funds$241,858The complete starting cash picture.
Estimated remaining funds due at closing
$241,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,621.53
Your down payment$228,621.53
Closing costs + prepaids$13,236.50
Total buyer cash needed$241,858.02
Remaining funds due$241,858.02
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%)$1,351.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$477.25
Initial HOA (3 months)$288.00
Prepaid interest, first (31 days)$661.35
Fees + prepaids$13,236.50
Your down payment is the seller’s equity. You take over the $270,378 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $241,858.02 is due at closing. Uses and sources reconcile at $512,236.50 each. Not a Closing Disclosure.