Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$211,012Cash toward the purchase price.
Closing costs + prepaids$12,765Not just lender fees.
Before credits & paid funds$223,777The complete starting cash picture.
Estimated remaining funds due at closing
$223,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,011.96
Your down payment$211,011.96
Closing costs + prepaids$12,764.56
Total buyer cash needed$223,776.51
Remaining funds due$223,776.51
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%)$4,999.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,444.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (10 days)$251.77
Fees + prepaids$12,764.56
Your down payment is the seller’s equity. You take over the $288,978 balance, so the rest of the $499,990 price is paid at closing. A second mortgage can cover part of it. $223,776.51 is due at closing. Uses and sources reconcile at $512,754.56 each. Not a Closing Disclosure.