Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$223,568Cash toward the purchase price.
Closing costs + prepaids$12,842Not just lender fees.
Before credits & paid funds$236,410The complete starting cash picture.
Estimated remaining funds due at closing
$236,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,567.70
Your down payment$223,567.70
Closing costs + prepaids$12,842.19
Total buyer cash needed$236,409.88
Remaining funds due$236,409.88
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,382.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$319.00
Initial HOA (3 months)$125.01
Prepaid interest, first (27 days)$548.02
Fees + prepaids$12,842.19
Your down payment is the seller’s equity. You take over the $276,432 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $236,409.88 is due at closing. Uses and sources reconcile at $512,842.19 each. Not a Closing Disclosure.