Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$217,329Cash toward the purchase price.
Closing costs + prepaids$13,530Not just lender fees.
Before credits & paid funds$230,859The complete starting cash picture.
Estimated remaining funds due at closing
$230,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$217,329.48
Your down payment$217,329.48
Closing costs + prepaids$13,529.56
Total buyer cash needed$230,859.04
Remaining funds due$230,859.04
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%)$1,412.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$758.25
Initial HOA (3 months)$4.26
Prepaid interest, first (30 days)$887.19
Fees + prepaids$13,529.56
Your down payment is the seller’s equity. You take over the $282,571 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $230,859.04 is due at closing. Uses and sources reconcile at $513,429.56 each. Not a Closing Disclosure.