Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,936Cash toward the purchase price.
Closing costs + prepaids$12,254Not just lender fees.
Before credits & paid funds$313,190The complete starting cash picture.
Estimated remaining funds due at closing
$313,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,936.02
Your down payment$300,936.02
Closing costs + prepaids$12,254.34
Total buyer cash needed$313,190.37
Remaining funds due$313,190.37
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%)$995.32
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$477.50
Initial HOA (3 months)$282.00
Prepaid interest, first (2 days)$31.52
Fees + prepaids$12,254.34
Your down payment is the seller’s equity. You take over the $199,064 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $313,190.37 is due at closing. Uses and sources reconcile at $512,254.34 each. Not a Closing Disclosure.