Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$242,487Cash toward the purchase price.
Closing costs + prepaids$12,934Not just lender fees.
Before credits & paid funds$255,422The complete starting cash picture.
Estimated remaining funds due at closing
$255,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,487.48
Your down payment$242,487.48
Closing costs + prepaids$12,934.46
Total buyer cash needed$255,421.94
Remaining funds due$255,421.94
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,287.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$625.00
Initial HOA (3 months)$225.00
Prepaid interest, first (14 days)$328.91
Fees + prepaids$12,934.46
Your down payment is the seller’s equity. You take over the $257,512 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $255,421.94 is due at closing. Uses and sources reconcile at $512,933.46 each. Not a Closing Disclosure.