Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$237,582Cash toward the purchase price.
Closing costs + prepaids$13,453Not just lender fees.
Before credits & paid funds$251,035The complete starting cash picture.
Estimated remaining funds due at closing
$251,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,582.10
Your down payment$237,582.10
Closing costs + prepaids$13,452.62
Total buyer cash needed$251,034.72
Remaining funds due$251,034.72
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,312.09
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$426.00
Prepaid interest, first (31 days)$626.28
Fees + prepaids$13,452.62
Your down payment is the seller’s equity. You take over the $262,418 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $251,034.72 is due at closing. Uses and sources reconcile at $513,452.62 each. Not a Closing Disclosure.