Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$297,002Cash toward the purchase price.
Closing costs + prepaids$17,199Not just lender fees.
Before credits & paid funds$314,201The complete starting cash picture.
Estimated remaining funds due at closing
$314,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,002.49
Your down payment$297,002.49
Closing costs + prepaids$17,198.75
Total buyer cash needed$314,201.23
Remaining funds due$314,201.23
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%)$4,980.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,004.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,365.75
Initial HOA (3 months)$1,527.99
Prepaid interest, first (31 days)$1,852.02
Fees + prepaids$17,198.75
Your down payment is the seller’s equity. You take over the $200,998 balance, so the rest of the $498,000 price is paid at closing. A second mortgage can cover part of it. $314,201.23 is due at closing. Uses and sources reconcile at $515,198.75 each. Not a Closing Disclosure.