Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$262,742Cash toward the purchase price.
Closing costs + prepaids$12,621Not just lender fees.
Before credits & paid funds$275,362The complete starting cash picture.
Estimated remaining funds due at closing
$275,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,741.85
Your down payment$262,741.85
Closing costs + prepaids$12,620.56
Total buyer cash needed$275,362.42
Remaining funds due$275,362.42
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%)$4,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,183.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.50
Initial HOA (3 months)$120.00
Prepaid interest, first (10 days)$254.27
Fees + prepaids$12,620.56
Your down payment is the seller’s equity. You take over the $236,758 balance, so the rest of the $499,500 price is paid at closing. A second mortgage can cover part of it. $275,362.42 is due at closing. Uses and sources reconcile at $512,120.56 each. Not a Closing Disclosure.