Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$267,214Cash toward the purchase price.
Closing costs + prepaids$12,443Not just lender fees.
Before credits & paid funds$279,657The complete starting cash picture.
Estimated remaining funds due at closing
$279,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,214.02
Your down payment$267,214.02
Closing costs + prepaids$12,442.68
Total buyer cash needed$279,656.71
Remaining funds due$279,656.71
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%)$1,163.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.25
Initial HOA (3 months)$287.01
Prepaid interest, first (2 days)$37.99
Fees + prepaids$12,442.68
Your down payment is the seller’s equity. You take over the $232,686 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $279,656.71 is due at closing. Uses and sources reconcile at $512,342.68 each. Not a Closing Disclosure.