Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$267,742Cash toward the purchase price.
Closing costs + prepaids$12,685Not just lender fees.
Before credits & paid funds$280,428The complete starting cash picture.
Estimated remaining funds due at closing
$280,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,742.17
Your down payment$267,742.17
Closing costs + prepaids$12,685.39
Total buyer cash needed$280,427.56
Remaining funds due$280,427.56
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$287.01
Prepaid interest, first (9 days)$170.59
Fees + prepaids$12,685.39
Your down payment is the seller’s equity. You take over the $232,158 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $280,427.56 is due at closing. Uses and sources reconcile at $512,585.39 each. Not a Closing Disclosure.