Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$249,471Cash toward the purchase price.
Closing costs + prepaids$14,199Not just lender fees.
Before credits & paid funds$263,670The complete starting cash picture.
Estimated remaining funds due at closing
$263,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,471.29
Your down payment$249,471.29
Closing costs + prepaids$14,198.99
Total buyer cash needed$263,670.28
Remaining funds due$263,670.28
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,347.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,194.00
Initial HOA (3 months)$399.00
Prepaid interest, first (30 days)$600.35
Fees + prepaids$14,198.99
Your down payment is the seller’s equity. You take over the $269,529 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $263,670.28 is due at closing. Uses and sources reconcile at $533,198.99 each. Not a Closing Disclosure.