Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$238,834Cash toward the purchase price.
Closing costs + prepaids$13,737Not just lender fees.
Before credits & paid funds$252,571The complete starting cash picture.
Estimated remaining funds due at closing
$252,571No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,833.55
Your down payment$238,833.55
Closing costs + prepaids$13,737.32
Total buyer cash needed$252,570.87
Remaining funds due$252,570.87
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,280.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,237.50
Initial HOA (3 months)$32.49
Prepaid interest, first (30 days)$768.50
Fees + prepaids$13,737.32
Your down payment is the seller’s equity. You take over the $256,166 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $252,570.87 is due at closing. Uses and sources reconcile at $508,737.32 each. Not a Closing Disclosure.