Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$238,204Cash toward the purchase price.
Closing costs + prepaids$13,227Not just lender fees.
Before credits & paid funds$251,432The complete starting cash picture.
Estimated remaining funds due at closing
$251,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,204.44
Your down payment$238,204.44
Closing costs + prepaids$13,227.49
Total buyer cash needed$251,431.93
Remaining funds due$251,431.93
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,303.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$623.75
Prepaid interest, first (17 days)$841.76
Fees + prepaids$13,227.49
Your down payment is the seller’s equity. You take over the $260,796 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $251,431.93 is due at closing. Uses and sources reconcile at $512,227.49 each. Not a Closing Disclosure.