Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$209,536Cash toward the purchase price.
Closing costs + prepaids$14,429Not just lender fees.
Before credits & paid funds$223,965The complete starting cash picture.
Estimated remaining funds due at closing
$223,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,536.31
Your down payment$209,536.31
Closing costs + prepaids$14,428.54
Total buyer cash needed$223,964.85
Remaining funds due$223,964.85
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,451.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$906.75
Prepaid interest, first (31 days)$1,602.97
Fees + prepaids$14,428.54
Your down payment is the seller’s equity. You take over the $290,364 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $223,964.85 is due at closing. Uses and sources reconcile at $514,328.54 each. Not a Closing Disclosure.