Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$267,498Cash toward the purchase price.
Closing costs + prepaids$13,622Not just lender fees.
Before credits & paid funds$281,119The complete starting cash picture.
Estimated remaining funds due at closing
$281,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,497.68
Your down payment$267,497.68
Closing costs + prepaids$13,621.72
Total buyer cash needed$281,119.40
Remaining funds due$281,119.40
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%)$5,060.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,192.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$800.75
Initial HOA (3 months)$261.00
Prepaid interest, first (29 days)$839.46
Fees + prepaids$13,621.72
Your down payment is the seller’s equity. You take over the $238,502 balance, so the rest of the $506,000 price is paid at closing. A second mortgage can cover part of it. $281,119.40 is due at closing. Uses and sources reconcile at $519,621.72 each. Not a Closing Disclosure.