Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$495,000Cash toward the purchase price.
Closing costs + prepaids$11,174Not just lender fees.
Before credits & paid funds$506,174The complete starting cash picture.
Estimated remaining funds due at closing
$506,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$495,000.00
Your down payment$495,000.00
Closing costs + prepaids$11,173.99
Total buyer cash needed$506,173.99
Remaining funds due$506,173.99
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%)$0.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$698.00
Initial HOA (3 months)$57.99
Prepaid interest, first (30 days)$0.00
Fees + prepaids$11,173.99
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $506,173.99 is due at closing. Uses and sources reconcile at $506,173.99 each. Not a Closing Disclosure.