Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$205,380Cash toward the purchase price.
Closing costs + prepaids$13,499Not just lender fees.
Before credits & paid funds$218,879The complete starting cash picture.
Estimated remaining funds due at closing
$218,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,379.85
Your down payment$205,379.85
Closing costs + prepaids$13,499.44
Total buyer cash needed$218,879.29
Remaining funds due$218,879.29
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%)$4,994.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,470.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,033.50
Initial HOA (3 months)$510.00
Prepaid interest, first (1 days)$23.84
Fees + prepaids$13,499.44
Your down payment is the seller’s equity. You take over the $294,020 balance, so the rest of the $499,400 price is paid at closing. A second mortgage can cover part of it. $218,879.29 is due at closing. Uses and sources reconcile at $512,899.44 each. Not a Closing Disclosure.