Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$236,965Cash toward the purchase price.
Closing costs + prepaids$12,870Not just lender fees.
Before credits & paid funds$249,835The complete starting cash picture.
Estimated remaining funds due at closing
$249,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,965.15
Your down payment$236,965.15
Closing costs + prepaids$12,869.92
Total buyer cash needed$249,835.07
Remaining funds due$249,835.07
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%)$1,315.17
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$620.25
Initial HOA (3 months)$426.00
Prepaid interest, first (2 days)$40.50
Fees + prepaids$12,869.92
Your down payment is the seller’s equity. You take over the $263,035 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $249,835.07 is due at closing. Uses and sources reconcile at $512,869.92 each. Not a Closing Disclosure.