Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$211,865Cash toward the purchase price.
Closing costs + prepaids$12,771Not just lender fees.
Before credits & paid funds$224,637The complete starting cash picture.
Estimated remaining funds due at closing
$224,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,865.42
Your down payment$211,865.42
Closing costs + prepaids$12,771.27
Total buyer cash needed$224,636.70
Remaining funds due$224,636.70
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,390.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$337.00
Prepaid interest, first (31 days)$675.60
Fees + prepaids$12,771.27
Your down payment is the seller’s equity. You take over the $278,135 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $224,636.70 is due at closing. Uses and sources reconcile at $502,771.27 each. Not a Closing Disclosure.